29 14 Second Reimbursement Policy of Medical Insurance for Urban Workers in Jinan City

General employee medical insurance can be reimbursed twice.

"Second reimbursement" refers to the residents of urban residents' medical insurance or the new rural cooperative medical system. If high medical expenses occurred last year, in addition to normal reimbursement, you can apply for critical illness insurance again, and there is no capping line.

Reimbursement conditions for secondary reimbursement:

After the expenses incurred in the designated medical institutions of basic medical insurance that meet the reimbursement scope of basic medical insurance for urban and rural residents are reimbursed by basic medical insurance, the expenses paid by urban residents within the scope of basic medical insurance policy exceed the annual per capita disposable income of urban residents in the previous year, and the expenses paid by rural residents within the scope of basic medical insurance policy exceed the annual per capita net income of rural residents in the previous year (referred to as "deductible") are included in the scope of major illness insurance payment for urban and rural residents for "secondary reimbursement".

Reimbursement amount for the second reimbursement

"piecemeal calculation, cumulative payment" 50% of the expenses incurred by the designated medical institutions of basic medical insurance above the "deductible amount" and within 50,000 yuan (inclusive) shall be reimbursed by the serious illness insurance fund; Expenses exceeding 50,000 yuan shall be reimbursed by the serious illness insurance fund by 60%.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.