Beijing permanent residence, no work unit, what insurance can I get to reimburse medical expenses?

At present, the medical insurance for urban residents in Beijing is mainly implemented according to the document standard of 20 10, as follows.

I. Insurance conditions

1. Three types of people who can be insured: urban elderly, students and children, and unemployed urban residents.

(1) Residents who have non-agricultural household registration in this Municipality and are not covered by the basic medical insurance for urban workers, and have reached the age of 60 for men and 50 for women (hereinafter referred to as "urban elderly"). Include the following personnel:

(1), early retirees who enjoy medical treatment according to the medical assistance measures for urban poor people in this city.

(2) Enjoy the medical treatment of the old activists in the neighborhood committee with reference to the medical assistance measures for urban poor people in this city.

(3) Persons who have gone through retirement formalities in other cities, did not participate in the medical insurance for local urban workers, and returned to Beijing to obtain non-agricultural household registration in this city;

(4) support the construction of foreign personnel who have gone through retirement procedures in other places and returned to Beijing to obtain non-agricultural household registration in this city;

(2) Registered students with non-agricultural household registration in this Municipality, enrolled in primary schools, junior high schools, senior high schools, secondary specialized schools, technical schools, secondary vocational and technical schools, special schools, reform schools and various ordinary institutions of higher learning (full-time academic education) within the administrative area of this Municipality, as well as non-school children, kindergarten children and scattered infants (hereinafter referred to as "students' children") who are under the age of 16 in the insurance payment year. Include the following personnel:

(1) Full-time non-Beijing students who receive general higher education in various full-time ordinary colleges and universities (including private colleges and universities) and scientific research institutes in this city;

② School-age children of overseas Chinese receiving compulsory education in Beijing;

(3), approved by the state and the relevant departments of this Municipality, students enrolled in Xinjiang classes and Tibet classes opened in schools in this Municipality, and students enrolled in Beijing Tibet Middle School;

(4) students with non-agricultural household registration in this city, studying in other provinces and cities and not participating in local free medical care or basic medical insurance;

⑤ Students with non-agricultural household registration in this city study abroad or in Hong Kong, Macao and Taiwan;

6. Returned college entrance examination students with non-agricultural household registration in this city and under the age of 22;

(7) Children of educated youth in Beijing, school-age students and their dependents, children of postdoctoral staff working in Beijing, children of Taiwanese businessmen and their employees (Taiwan compatriots) who have invested in Beijing, children of talents introduced from this city, and children of returned overseas students who meet the requirements of the education administrative department of this Municipality;

8. Students and children whose parents have non-agricultural household registration in this city;

(9) Children of persons who have obtained work residence permits in Beijing;

(3) Residents with non-agricultural household registration in this Municipality, male aged 16 but under 60, female aged 16 but under 50, who are not included in the urban workers' basic medical insurance coverage (hereinafter referred to as "unemployed residents");

(IV) Urban residents who are not included in the basic medical insurance coverage of urban workers, disabled soldiers of Grade 7 to 10, urban entitled groups and civil affairs departments are responsible for management.

2. According to the regulations, six types of residents can be insured for free after passing the qualification examination.

1. People who enjoy the minimum living guarantee for urban residents in this city; (2) people who enjoy the subsidy treatment for urban residents' living difficulties in this city; (3) Mentally disabled persons and intellectually disabled persons with Grade I, II and III disabilities; (4) Persons with physical disabilities and visual disabilities with Grade I or II disabilities; (five) seven to ten disabled soldiers; ⑥ Urban entitled groups; Civil affairs departments responsible for the management of courageous people can be exempted from insurance premiums, but they need to be qualified.

Two, in line with the individual exemption conditions, with the relevant documents issued by the civil affairs department or written instructions (original and photocopy) for the new year financial subsidy qualification examination procedures; For those who have no capacity for behavior or action, the civil affairs department or guardian shall handle the inspection and trial procedures on their behalf.

Special note: retirees, retired activists from neighborhood committees and retired cadres without working spouses can enjoy the basic medical insurance benefits for urban residents without going through any formalities.

Second, the processing program

For the first time, the insured person should go through the registration formalities in the street (township) social security office, school or nursery institution, and choose cash payment or bank withholding payment.

1, processing preparation materials

My household registration book, resident identity card and recent bareheaded color photos.

Step 2 deal with matters needing attention

(1) Those who meet the conditions for participating in the insurance in that year shall, within 90 days from the date of obtaining the non-agricultural household registration in this city, go through the insurance payment procedures at the social security office of the household registration location or residence street (township) with the required materials, pay the medical insurance premium of that year in one lump sum according to the payment standard, and enjoy the basic medical insurance benefits for urban residents from the month of participating in the insurance payment, and enjoy the treatment until 65438+February 3 1 day of that year.

(2) Newborns who meet the insurance conditions of the current year, obtain non-agricultural household registration in this city within 90 days from the date of birth, and pay the basic medical insurance premium for urban residents in the current year in one lump sum according to the payment standard, enjoy the basic medical insurance benefits for urban residents from the date of birth, and enjoy the treatment until the year of 65438+February 3 1 day.

(3) If a person who meets the conditions of insurance in that year fails to go through the insurance procedures within 90 days from the date of meeting the conditions of insurance, the social insurance agency will no longer go through the insurance payment procedures for him in that year.

Third, the payment standard

1, the individual contribution amount of urban elderly is 300 yuan per person per year.

2. The individual payment amount of students and children is 100 yuan per person per year.

3 unemployed urban residents individual payment amount is 600 yuan per person per year.

4 disabled unemployed residents individual contributions for 300 yuan per person per year.

Four, Qifubiaozhun and reimbursement standards

The qifubiaozhun for urban residents' medical expenses is 650 yuan, and 50% of the above qifubiaozhun will be reimbursed, with a cumulative maximum reimbursement of 2000 yuan in a medical insurance year; In terms of hospitalization, the deductible standard for the first hospitalization of urban elderly unemployed residents is 1.300 yuan, and the deductible standard for the second and subsequent hospitalization is 650 yuan; The minimum threshold for students and children is 650 yuan.

Verb (abbreviation of verb) before insurance: Be sure to know the surrounding environment before handling.

According to the requirements of the first consultation system for urban elderly unemployed residents, elderly unemployed residents need to go to community hospitals first. Therefore, 1 designated community health service institutions should be included in the designated medical institutions selected by the elderly and unemployed residents.

The Municipal Human Resources and Social Security Bureau specially reminds: In order to ensure that the insured enjoy the outpatient reimbursement treatment, the urban elderly and unemployed residents who have not chosen the designated community health service institutions should go through the procedures of selecting or changing the designated community health service institutions at the street or township social security offices.

Insurance payment prompt

There are two ways to participate in insurance: cash payment and bank withholding payment: those who participate in urban residents' medical insurance and choose cash payment only need to bring their ID card and corresponding fees and pay the premium in full at the street (township) social security office, school or child care institution before 10 30 every year; If you choose bank withholding, you only need to deposit the fee during the payment period, and the bank will automatically deduct the fee. If the bank card balance is insufficient in the current month, the bank will deduct money for three months continuously to ensure the success of payment. The insured shall deposit enough money according to the above standards before165438+1October 20th at the latest.

Annual payment time: September 1 to June165438+1October 30th.

Beijing urban hukou, retirement from other places, can consider participating in urban residents' medical insurance, the specific provisions are as follows.

1. Persons who have gone through retirement formalities in other cities, have not participated in medical insurance for local urban workers, and returned to Beijing to obtain non-agricultural household registration in this city;

2, support the field to Beijing construction units to handle retirement procedures and return to Beijing to obtain the city's non-agricultural household registration personnel.

3. If you have been insured in other places, you cannot continue to be insured in Beijing. If you need to retire from other places, you can participate in Beijing. You can only choose one of the two places. This choice is to compare which side's overall policy is better and which side to choose. Insurance in Beijing can be implemented according to the above process.

According to the references

Notice of Beijing Municipal People's Government on Printing and Distributing the Measures for Basic Medical Insurance for Urban Residents in Beijing (J.F.F. [2010] No.38)

Detailed Rules for the Implementation of Measures for Basic Medical Insurance for Urban Residents in Beijing (J.R.S.F. [2065438+00] No.287),

Notice on Adjusting and Supplementing the Registration Information of Personal Information of Social Insurance (No.[20 10]36 of Beijing Social Security Bureau)

Authoritative website source: Window of the Capital-Beijing Government Portal-The latest policy changes and related adjustments of urban residents' basic medical insurance payment every year, please pay attention to official website in time.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.