How to handle the medical insurance for newly insured residents?

The measures for handling medical insurance for urban and rural residents for the first time are as follows:

1. Newly insured residents carry household registration books, second-generation ID cards and one-inch recent bareheaded photos;

2. Go to the neighborhood committee, village committee and sub-district office (township) where you live to register for insurance.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. Therefore, the medical insurance system is usually enforced by national legislation and a fund system is established. The expenses are paid jointly by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risks caused by the illness or injury of the workers. The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations. In addition:

1. Insured residents are required to produce the original household registration book and ID card, submit a copy, and a recent color registration photo (residents with second-generation ID cards do not provide color registration photos), and determine by themselves and carry a bank card to pay the fee. The following three types of personnel also need to provide relevant certification materials-the minimum living guarantee object needs to show the original of the "Minimum Living Guarantee Certificate for Urban Residents" and submit a copy; First-class and second-class severely disabled people need to produce the original "People's Republic of China (PRC) Disabled Persons' Card" and submit a copy; Old people in low-income families need to submit a certificate issued by the neighborhood office where they live that they do not enjoy pension or pension benefits on a monthly basis.

2, in the community neighborhood committee to fill in the "basic medical insurance for urban residents registration application form" (including all kinds of primary and secondary school students).

How much is the reimbursement for residents' medical insurance?

The expenses incurred by the insured for outpatient treatment in the hospital, drug purchase or drug purchase in designated pharmacies can be paid by the personal account IC card issued by the medical insurance center. The outpatient qifubiaozhun is 600 yuan. Qifubiaozhun to the highest payment limit, the payment ratio is 50%. The maximum annual fund payment is 3000 yuan. What is the reimbursement rate of hospitalization medical expenses? The first hospitalization and outpatient serious illness treatment of insured urban residents paid by urban residents' medical insurance fund meet the prescribed medical expenses deductible standard and proportion.

If the insured urban residents are hospitalized many times during the year, they will be reduced by 100 yuan in turn according to the above qifubiaozhun until they are zero. Outpatient service for more than 2 diseases, according to a Qifubiaozhun calculation. In addition, outpatient medical expenses for schizophrenia treatment, hypertension and diabetes are paid at 60% of the above standards. Hospitalization in different places needs to be approved by the local designated hospital and applied to the local county-level medical insurance bureau for approval and filing. The medical expenses you spend in different places can be brought back to the local medical insurance bureau for approval and reimbursed in proportion. (Our local expenses below 30,000 yuan are 70-80%. More than 30,000 yuan, transferred to the medical insurance pooling fund of large insurance companies for reimbursement, 80-85% for less than 50,000 yuan, and 90% for more than 80,000 yuan.

Payment standard of residents' medical insurance:

Low-income and severely disabled people can enjoy medical insurance without payment, and the payment standard for families (individuals) of insured residents is that low-income objects and severely disabled people do not need to pay; All kinds of primary and secondary schools/KLOC-students, children and other residents under the age of 0/8, families (individuals) pay 20 yuan every year; The elderly in low-income families, families (individuals) pay 50 yuan every year; Other non-employed residents and families (individuals) pay 340 yuan every year.

In the above, I introduced how to apply for residents' medical insurance. If you need to handle it, you can find out. Residents' medical insurance needs to be handled by themselves, and the handling method is relatively simple. Medical insurance is related to whether you can get reimbursement if you are hospitalized. Handling medical insurance can reduce the economic pressure brought by illness and hospitalization, and reduce the burden for yourself.

legal ground

People's Republic of China (PRC) social insurance law

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 25 The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.