How to handle medical insurance after self-funded outpatient service in Beijing

In Beijing, the process of reporting medical insurance after self-funded outpatient service is relatively clear. First of all, patients need to choose designated medical institutions for medical insurance to ensure that their medical insurance cards are in a normal state. When registering, the patient should show his medical insurance card and tell the doctor to use medical insurance this time.

After seeing a doctor, the patient should pay all medical expenses and properly keep all invoices and detailed lists of expenses. These invoices and lists will be important documents for subsequent medical insurance reimbursement.

Next, patients can make medical insurance reimbursement in two ways: one is to make reimbursement directly in the medical insurance window of the hospital, and the other is to make reimbursement online through the mobile APP or online service platform. If you choose to reimburse in the hospital window, the patient needs to bring the medical insurance card, invoice and expense list to the medical insurance window. The staff will verify the information and handle the reimbursement procedures. The amount of medical insurance reimbursement will be directly returned to the bank account associated with the patient's medical insurance card.

If online reimbursement is selected, patients need to download and register the medical insurance APP or log on to the online service platform, and upload photos or scanned copies of invoices and expense lists according to the prompts. The system will automatically review and calculate the reimbursement amount and return it to the bank account associated with the patient's medical insurance card.

It should be noted that medical insurance reimbursement has a certain proportion and limit, which is subject to the medical insurance policy. In addition, some special drugs and services may require patients to pay their own expenses first, and then reimburse them through special channels. Therefore, it is best to consult a doctor or medical insurance window staff before seeing a doctor to understand the relevant policies and procedures.

To sum up:

The process of applying for medical insurance in Beijing outpatient department at one's own expense includes the following steps: selecting designated medical institutions for medical insurance, presenting medical insurance cards, paying medical expenses and keeping invoices and expense lists, and selecting window reimbursement or online reimbursement. Patients should pay attention to the whole process of checking the confirmation information to ensure the smooth completion of medical insurance reimbursement.

Legal basis:

Article 29 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units."

Article 22 of the Regulations of Beijing Municipality on Basic Medical Insurance stipulates: "The medical expenses incurred by the insured in the designated medical institutions of basic medical insurance in this Municipality that conform to the list of basic medical insurance drugs, the list of diagnosis and treatment items, the scope of medical service facilities and the scope of supplementary insurance for students and children in this Municipality shall be paid by the basic medical insurance fund according to the regulations."