How to reimburse Beijing supplementary medical insurance?

There is new news about Beijing's supplementary medical insurance reimbursement. Supplementary medical insurance is different from basic medical insurance. Supplementary medical insurance is not compulsory by national legislation, but voluntary participation by employers and individuals. It is a kind of supplementary insurance that the unit or individual appropriately increases the medical insurance items according to the needs and possible principles after the units and employees participate in the unified basic medical insurance, so as to improve the insurance protection level.

Basic medical insurance and supplementary medical insurance are not contradictory, but complementary and irreplaceable, and their purpose is to provide medical security for employees.

Beijing Supplementary Medical Insurance Reimbursement

1, the principle of supplementary medical insurance reimbursement is that the part that is not reimbursed by social security is reimbursed from supplementary medical care. For example, the part within outpatient service 1800 and the part outside social security reimbursement 1800, the part within hospitalization 1300 and the part outside social security reimbursement 1300.

2. The reimbursement amount of supplementary medical care depends on the company's own choice. For example, in addition to social security reimbursement, outpatient units can choose to reimburse 60%, 80% or even 90%, and hospitalization is the same. They can choose to reimburse 90%, 95%, etc. after reimbursement, and choose the proportion when insuring.

3. Supplementary insurance expenses: It depends on the reimbursement ratio of supplementary insurance selected by the company. Outpatient expenses are relatively high, and hospitalization expenses are relatively low. Therefore, when many units choose supplementary medical care, the proportion of outpatient service is not so high, so the cost can be lower. In addition, the cost is related to the number of insured personnel, the average age of personnel and the number of retirees. Therefore,

4. The insurance premium for supplementary medical care can be paid once a year, and it can be charged to 4% of the salary, but it does not mean that 4% has been paid. If there is a change in personnel, the social security will increase or decrease now. You can change the personnel, refund or increase the cost of supplementary medical care in the insurance company with the social security change form.

Supplementary medical care is of great benefit to employees, and the company can pay for it from the expenses. Once an employee has a major illness or accident, it can alleviate the pressure of compensation. 6. Supplementary medical care is also a part of social security requirements. If it is not done in an insurance company, it should be done by your own unit. Small units are even more needed, because once the employees of small units have major problems, the funds will be greatly affected.

Beijing supplementary medical insurance purchase question and answer

Q: I want to buy a medical insurance for my 53-year-old mother to supplement social security. She is retired but has social security and is in good health. The main consideration direction is serious illness, medical care and old-age care. How to buy it? Buy separately or in combination?

Answer: 1. It is recommended to buy accident insurance for the elderly, which is relatively simple and does not require physical examination, and can provide sufficient protection.

2. It is recommended to buy some hospitalization and critical illness insurance for the elderly! Others charge more because of their age, which is not cost-effective!