What is the meaning of medical insurance in different places

Differential medical insurance refers to the fact that when a person seeks medical treatment in a different region (usually between provinces, cities and autonomous regions), he or she can use the medical insurance card of that region to settle the bill.

The process of medical insurance reimbursement:

1. Seek medical treatment: go to a hospital or clinic for a doctor's visit or treatment;

2. Payment: pay your share of medical fees at the hospital or clinic;

3. Get a list of fees: in the course of medical treatment, the hospital or clinic will provide a list of fees, which lists the specific items and amounts of the costs of the medical visit;

4, fill in the reimbursement application form: with the list of expenses, fill in the health insurance reimbursement application form, fill in the need to provide their own basic information, list of medical expenses, medical insurance card and other related information;

5, hand in the information: the completed reimbursement application form and related information to the health insurance agency, you can submit it through the online or offline way;

6, the audit: health insurance The application form and information submitted will be examined and approved by the medical insurance agency, which will credit the reimbursement to the individual's bank account or give the reimbursement in cash.

Requirements for reimbursement of medical insurance in other places:

1, insurance status: reimbursement of medical insurance in other places is only applicable to those who have participated in the basic medical insurance system for urban workers, urban and rural residents, and the new type of rural cooperative medical care;

2, payment record: when applying for reimbursement of medical insurance in other places, the applicant must have paid medical insurance premiums and meet the requirements of the time and standard of payment.

3. Scope of reimbursement: The scope of reimbursement and the reimbursement rate of the medical insurance in a different place shall be subject to the relevant policies and regulations of the place where the applicant is insured. It should be noted that the reimbursement policies of different regions may be different, and the applicant needs to apply according to the local policies and regulations;

4. Hospital selection: When seeking medical treatment in a different place, the applicant must select a designated medical institution, or else he or she will not be able to enjoy reimbursement of medical insurance treatment;

5. Reimbursement application materials: The applicant needs to prepare complete reimbursement application materials, including medical bills, cost lists, and the reimbursement rate of the medical bills, and the reimbursement rate of the medical bills. Including medical bills, cost lists, proof of foreign medical treatment, reimbursement application forms and so on.

In summary, the reimbursement rate and the scope of reimbursement may also be different, in general, the reimbursement rate of foreign medical insurance reimbursement may be lower than the local medical insurance reimbursement rate, the specific information can be found in the local medical insurance department for inquiry.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that are in accordance with the basic medical insurance drug directory, diagnostic and treatment items, standards of medical service facilities, as well as those for emergency and rescue, shall be paid out of the basic medical insurance fund in accordance with state regulations.

Article 29

The portion of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly by the social insurance administration organization with the medical institutions and drug business units.