Can diabetics buy medical insurance?

People with diabetes can buy medical insurance.

Diabetic patients can reimburse part of their medical expenses through medical insurance, and the reimbursement ratio varies according to the hospital level and medical expenses. The reimbursement rate of town hospitals is 60%, secondary hospitals are 40%, and tertiary hospitals are 30%. If the hospitalization expenses exceed 5,000 yuan, they will be reimbursed by stages. The reimbursement rate of 500 1 to 1 10,000 yuan is 65%, and that of 1000 1 to/0.8 million yuan is 70%. In addition, outpatient medication for diabetes was included in the scope of medical insurance payment, and the reimbursement rate was increased to over 50%. Patients need to carry medical history data, and doctors should fill in special disease certificates and approval forms and apply to the social security office where they are registered. After being approved by the Social Security Bureau, reimbursement can be started.

Medical insurance for diabetic patients;

1, coverage of basic medical insurance: diabetic patients can usually get partial reimbursement of drugs and treatments through national basic medical insurance;

2. Critical illness insurance assistance: For major diseases such as diabetic complications, patients may meet the conditions for critical illness insurance assistance;

3. Choice of supplementary medical insurance: Patients can consider purchasing commercial supplementary medical insurance to obtain more comprehensive medical expenses protection;

4. Outpatient reimbursement policy for chronic diseases: some areas provide outpatient special reimbursement policies for patients with chronic diseases to reduce the burden on patients;

5. Medical assistance fund assistance: Diabetic patients with low income or financial difficulties can apply for medical assistance fund assistance.

To sum up, people with diabetes can buy medical insurance and reimburse some medical expenses through medical insurance, and the reimbursement ratio varies according to the hospital level and medical expenses. The reimbursement rate of town hospitals is 60%, secondary hospitals are 40%, and tertiary hospitals are 30%. When the hospitalization medical expenses exceed 5,000 yuan, they will be reimbursed by stages, with reimbursement rates of 65% and 70% respectively. In addition, outpatient medication for diabetes was included in the scope of medical insurance payment, and the reimbursement rate was increased to more than 50%. Patients need to bring medical history data, fill in special disease certificates and approval forms, and apply to the social security office where the household registration is located. After the approval of the social security bureau, you can start reimbursement.

Legal basis:

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

Article 28

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.