What do you mean by in-hospital treatment and out-of-hospital treatment?

In-hospital medical insurance and out-of-hospital medical insurance refer to:

Medical insurance refers to all kinds of drugs used in the hospital during hospitalization and all kinds of inspection fees can be reimbursed by medical insurance.

Outside medical insurance means that the drugs or other expenses used when going to the hospital are not covered by medical insurance reimbursement, which means that these expenses must be reimbursed at their own expense.

Hospitalization medical insurance reimburses the expenses during hospitalization, including bed fees, meals, medical treatment fees, examination fees and other reasonable and necessary medical expenses.

The first hospitalization deductible line is 1.300 yuan/year, and the second hospitalization deductible line is 650 yuan/year, with an annual limit of 65,438+10,000. The deductible for reimbursement in tertiary hospitals is 30,000 85%, 30,000-40,000 90%, and 40,000-plus 95%. Social security is different from social security. Reimbursement shall be made in proportion within social security, and purely at one's own expense outside social security. See the figure below for details:

This is the social security reimbursement rule we use now. Social security is characterized by wide coverage, basic protection and multi-level.

Basic medical care: 2,800 kinds of basic medical drugs and more than 20,000 kinds of drugs that can be prescribed from hospitals. Basic medical items, basic medical facilities and services.

For drugs outside social security, purchased drugs and imported drugs are not included in social security. There are also some medical materials and project social security that are not included. This part of the cost sometimes accounts for a large part of our medical expenses.

We can solve the problem of medical expenses by purchasing commercial medical insurance. Commercial medical insurance is characterized by high coverage, covering social security exhaustion and treatment projects.

Commercial medical insurance can be divided into millions of medical care, mid-range medical care and high-end medical care according to the different medical resources selected. Millions of medical treatment is to solve the medical expenses reimbursement of the general department of public hospitals above the second level.

Mid-range medical care can not only go to public hospitals above the second level for general treatment, but also choose special needs departments and international departments for medical treatment, and can also reimburse expenses.

High-end medical care can go to legal medical institutions, private hospitals and even expensive hospitals around the world for treatment and enjoy better medical resources.