Can medical insurance be reimbursed when you come back from a broken bone in a foreign country?

Medical insurance can be reimbursed if you are injured in the field and return to the local area.

The medical expenses for medical treatment in different places shall be paid in advance by the individual, and shall be reimbursed by himself or his agent to the medical insurance center after the treatment. The following materials shall be prepared for reimbursement of medical expenses of insured employees:

1, personal medical insurance certificate;

2, the approval documents issued by the hospital (referral form);

3, stamped by the hospital invoices, cost summary list and discharge summary;

4. The original and photocopy of my or my agent's ID card, and the valid bank card or passbook of the reimbursement personnel.

The medical insurance reimbursement process after returning from fracture injury in different places is as follows:

1. See a doctor: see a doctor in a foreign hospital, and issue corresponding medical bills and prescriptions;

2. Payment: Pay in the financial office of the hospital with medical bills and prescriptions;

3. Keep bills: ask the hospital to issue invoices and properly keep medical bills and prescription notes;

4. Return to the place of residence: return to the place where medical insurance is located, and submit the medical expense bills and prescriptions to the local medical insurance bureau or social security bureau for reimbursement;

5. Review: the local medical insurance bureau or social security bureau reviews relevant materials and conducts reimbursement accounting;

6. Receiving reimbursement: receiving reimbursement by bank card or cash.

To sum up, the specific reimbursement process and requirements may vary according to regional and personal conditions. It is recommended to consult the local medical insurance department or social security department in time after returning to the medical insurance location to understand the latest reimbursement policies and requirements, so as to avoid unnecessary troubles caused by unclear procedures or uneven materials. At the same time, try to choose a regular and legal hospital to avoid reimbursement problems caused by improper medical location.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Article 19

If an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred with him, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.