I only bought medical insurance, not old-age insurance. How much is the hospitalization reimbursement?

The specific reimbursement rate varies from region to region, generally between 60% and 80%.

1. scope of medical insurance reimbursement: the scope of medical insurance reimbursement includes essential drugs and medical treatment items in the medical insurance catalogue. However, some projects have a high personal burden, such as high-priced drugs and special inspections. 2. The scope of social security reimbursement: the scope of social security reimbursement is wider, covering basically all medical expenses, including hospitalization expenses, outpatient expenses and medicine expenses. 3. How to increase the reimbursement rate: You can choose to buy commercial medical insurance or critical illness insurance to increase your reimbursement rate, or you can reduce your personal burden by choosing quality hospitals and doctors.

You can still enjoy hospitalization reimbursement if you only buy medical insurance without social security. The proportion of hospitalization reimbursement is determined according to local regulations, and the proportion may be different in different regions. Generally speaking, the proportion of reimbursement for hospitalization who only buy medical insurance will be lower than that of those who buy medical insurance and social security at the same time. It should be noted that although hospitalization reimbursement can only be enjoyed by purchasing medical insurance, if the medical expenses exceed the scope of medical insurance, you need to bear the extra expenses yourself. In addition, the medical insurance policy in some areas will also stipulate some restrictions, such as the number of days in hospital and the items of diagnosis and treatment.

Can social security only buy medical insurance?

Yes, you can.

At present, social insurance includes many different types, not all of which are bundled, depending on which kind of insurance is purchased.

Employee social security includes five types of insurance: medical insurance, endowment insurance, unemployment insurance, maternity insurance and work-related injury insurance, which are purchased by employers for employees, so the related types of insurance cannot be divided, that is to say, participating in employee social security means buying five types of insurance, not just medical insurance or one or more other types of insurance.

In addition to employee social security, individuals who participate in urban and rural residents' medical insurance or the new rural cooperative medical system can purchase separately according to the individual wishes of the insured; So if you just want to buy medical insurance, you can consider medical insurance for urban and rural residents or the new rural cooperative medical system.

How to buy only medical insurance?

1, medical insurance for urban and rural residents: urban hukou personnel who have not participated in employee social security can purchase medical insurance for urban and rural residents; Go to the local medical insurance agency or the nearest medical insurance service network; Submit the materials as required, and then pay the premium on time.

2. New rural cooperative medical care: a medical security system for rural registered population, which can directly participate in the new rural cooperative medical care in the village without other social medical insurance.

3. Commercial medical insurance: If you feel that the coverage of social medical insurance is limited and your personal economic conditions are good, you can consider taking out commercial medical insurance; Choose the right insurance policy according to your actual needs.

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).

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.