How much can foreign medical insurance reimburse in Shenzhen

Foreign medical insurance can reimburse 70% to 95% in Shenzhen.

Valuable medicines, special examinations and special treatments are reimbursed at 70%; Class B medicines are reimbursed at 80%; above the threshold fee up to RMB 3,000 is reimbursed at 88%; between RMB 3,000 and RMB 5,000 is reimbursed at 90%; between RMB 5,000 and RMB 10,000 is reimbursed at 92%; and above RMB 10,000 is reimbursed at 95% up to the maximum payment limit.

Reimbursement time limit and required information:

Participants should submit the following information for reimbursement within 12 months from the date of incurring medical expenses (hospitalization from the date of discharge):

Outpatient medical records (check the originals, receive copies);

The reimbursement limit of foreign health insurance in Shenzhen is determined according to the policies and regulations of Shenzhen health insurance. According to the regulations, the reimbursement limit for foreign health insurance participants in Shenzhen is the same as that for local participants. The specific reimbursement limit depends on the types and items of medical expenses. Generally speaking, the expenses that can be covered by medical insurance include outpatient expenses, hospitalization expenses and medicine expenses. The reimbursement rates and limits may vary according to different health insurance policies. You can check the official website of Shenzhen Health Insurance Bureau or consult your local health insurance organization for the specific reimbursement limits.

To summarize: Medical institutions that have joined the platform can make direct settlement regardless of whether they are in or out of the city. Non-Shenzhen employees can not brush the medical insurance card, it is recommended that hospitalization hanging emergency reimbursement according to Shenzhen standards, non-emergency lower 40% reimbursement rate. Employees need to pay first, within 12 months to provide relevant information to the social security institutions for reimbursement procedures, including outpatient medical records.

Legal basis:

Shenzhen Social Medical Insurance Measures

Article 60

The basic medical expenses and local supplementary medical expenses incurred by the stipulated personnel in the filed medical institutions shall be reimbursed upon the application of the insured person, and the municipal social insurance institutions shall audit the actual medical expenses incurred and reimburse them according to the standard of the medical charges in Shenzhen which is not higher than the standard of medical charges in this city.