How much can be reimbursed for hospitalization expenses in Fu Bao, Zhao Can?

"Zhaofubao" is a project benefiting the people and the people in the field of medical security in Zhaoqing City. Registration is not limited to age, past medical history, occupation and waiting period. Employees can also use personal accounts to insure their families. It has the characteristics of "low premium, high insurance coverage and wide coverage" and can effectively solve the problem of "difficult and expensive medical treatment" for the masses. The coverage of "Zhaofubao" is connected with the basic medical insurance treatment policy, covering the out-of-pocket expenses of inpatients and outpatients with specific diseases in the medical insurance catalogue, the compliance out-of-pocket expenses outside the medical insurance catalogue, the extra out-of-hospital out-of-pocket expenses of malignant tumors and specific drugs for rare diseases. At present (in 2022), the first reimbursement must reach 20,000 yuan, and the second reimbursement must reach 40,000 yuan (this is the annual cumulative deductible, as long as the hospitalization expenses exceed the deductible within one year); New upgrade in 2023: the deductible line for one-time reimbursement was reduced from the original 20,000 to10.8 million yuan, and the deductible line for second reimbursement was reduced from the original 40,000 to 38,000 yuan.

Zhao Reimbursement Free Amount Information:

One-time reimbursement: the deductible is reduced from the original 20,000 yuan to 1.8 million yuan.

Second reimbursement: the deductible is reduced from 40,000 yuan to 38,000 yuan.

First, Zhao will not be reimbursed:

1, "Zhaofubao" insured person stops participating in Zhaoqing's basic medical insurance or other medical insurance in this city during the insured period, and the medical expenses incurred during the period of stopping enjoying the basic medical insurance benefits or other medical insurance benefits in this city are not included in the payment scope of "Zhaofubao".

2, "Zhaofubao" insured medical expenses not according to the relevant provisions of Zhaoqing basic medical insurance (including unconfirmed long-term medical treatment in different places, referral in different places, temporary hospitalization in different places, outpatient medical expenses for specific diseases, prescription drugs issued by non-designated medical institutions, etc.). ), "Zhaofubao" will not be paid.

Zhaofubao is Huimin Insurance launched by Zhaoqing Medical Insurance Bureau, Finance Bureau, Banking Insurance Bureau and Health Bureau in conjunction with China People's Property Insurance Company and China Ping An Insurance Company. Individuals can reimburse a small amount. No matter what illness, as long as you are hospitalized, you can reimburse yourself for more than 20,000 yuan. 70% reimbursement for common diseases. Only 30% can be reimbursed for serious illness or serious past illness. After accumulating more than 20,000 yuan at your own expense every year, you can apply for compensation directly in China PICC or Ping An Insurance Business Hall.

Second, Zhao's handling process:

The insurance payment standard is 150 yuan per person per year.

Online: Pay attention to the "Zhaofubao" insurance of WeChat official account.

Offline: go to the designated outlets of the nearest underwriting insurance company to participate in the insurance.

Insurance payment: support employees' medical insurance accounts, WeChat and Alipay to pay premiums.

Zhao Fubao has no age, no past history, no occupation and no waiting period. 150 yuan/person/year, with a maximum guarantee of 4 million yuan; Employees can use personal accounts to insure the whole family; The coverage covers all the compliant medical expenses of hospitalization and psychotherapy, and you can reimburse them at your own expense.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 7 The administrative department of social insurance in the State Council is responsible for the management of social insurance throughout the country, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.

Eighth social insurance agencies to provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.

Article 9 Trade unions shall safeguard the legitimate rights and interests of employees according to law, and have the right to participate in the research on major social insurance issues, participate in the social insurance supervision committee, and supervise matters related to employees' social insurance rights and interests.