How to deal with neonatal medical insurance

Newborns have just been hospitalized after birth, and they may have to be hospitalized at their own expense because of poor procedures. Don't worry about this. Generally speaking, the newborn can go to the corresponding medical insurance department to reissue medical insurance in the way of men's singles and women's doubles after birth, and the admission status can be changed, so there is no need to worry that the medical insurance cannot be reimbursed after the child is born. Usually, you can consult the local medical insurance department to understand the replacement process and make corresponding replacement.

First, how to apply for medical insurance for newborns

Newborn medical insurance can be handled according to the following procedures: the parents of the newborn will settle down for the baby at the place where the baby is registered, and then take the baby's household registration book and the parents' ID card to the local community and labor insurance office to receive the Registration Form of Basic Medical Insurance for Urban Residents, fill in the relevant information and bring the following materials:

1, household registration book and copy. Bring the original and photocopy of the household registration book, and copy the first page of the household registration book and the baby page;

2. ID card and photocopy. Generally, I need my ID card for medical insurance.

Second, the newborn account materials:

1, the original of the newborn household registration book;

2, a copy of the newborn household registration book;

The process guardian brings the materials to the window of the medical insurance center.

Note: Newborns who go through the insurance payment procedures within 90 days after birth will enjoy the medical insurance benefits of the current year from the date of birth; Those who are insured after 90 days of birth will enjoy the medical insurance benefits of that year from the day after the payment, and the insurance period will start from the date of insurance to 65438+February 3 1 day of the payment year.

Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. It is undertaken by the government and implemented and managed by economic, administrative and legal means.

Social medical insurance consists of basic medical insurance and large medical assistance, enterprise supplementary medical insurance and individual supplementary medical 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".

3. How long will it take to reimburse hospitalization expenses after paying medical insurance?

Generally speaking, the medical insurance paid by the unit can be reimbursed in the next month, while the medical insurance paid by the individual generally needs to be paid for more than half a year to enjoy the reimbursement treatment. When going through the hospitalization formalities, the medical insurance records and medical insurance cards should be handed over to the inpatient department of the hospital for the smooth use of the medical insurance pooling account. If it cannot be submitted at that time due to emergency, the medical insurance records and cards should be handed over to the hospital in time. Under normal circumstances, if there is a deductible line for medical insurance reimbursement, different inpatient deductible lines will be set according to different levels of hospitals. The higher the level, the higher the deductible. City level 1 and below hospitals 100 yuan, city level 2 hospital 200 yuan, city level 3 hospital 300 yuan, non-local hospital 400 yuan. If the deductible line is not reached, reimbursement will not be supported. In other words, you must be above the deductible to be reimbursed. The part above the deductible line shall be reimbursed according to the regulations. In addition, there may be some drugs that are not covered by medical insurance, so you need to pay some cash when you go through the hospitalization procedures.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid by the basic medical insurance fund according to state regulations.