How to get reimbursed for hospitalization expenses

In today's world, although people's living standards have generally improved, many domestic families are basically in the well-off level above, but the standard of living to improve the speed of medical costs have not been rising fast, so we buy hospitalization insurance to transfer the risk of the demand has risen, then, hospitalization insurance how to reimburse it? Here you go with this article to understand it!

Hospitalization health insurance reimbursement process

When it comes to the hospitalization health insurance reimbursement process, you must first understand what kind of health insurance you are. At present, China's medical insurance is basically divided into three kinds, which are urban workers' medical insurance, urban residents' medical insurance, and new rural medical insurance, and the reimbursement methods of these three kinds of medical insurance are different. The following is a brief introduction to each of them.

1, urban workers health insurance:

The urban workers health insurance is in the factory, the unit to work, there are also self-purchase, which is often referred to as the "five insurance and one gold" in the medical insurance. The state requires business units to purchase insurance for individuals, this health insurance use a wide range of drugs, outpatient clinics, hospitalization, but also enjoy the outpatient reimbursement of serious illnesses and maternity insurance, this health insurance costs more.

Reimbursement process: Nowadays, the reimbursement process has been simplified, and patients can settle the bill directly at the hospital site.

When admitted: patients with health insurance, with ID card for social security registration procedures, and then to the ward hospitalization. When discharged: the doctor will arrange for discharge, bring the admission registration form and ID card to the hospitalization charge office for settlement of discharge-related expenses.

(1)The doctor writes an admission card;

(2)The charge office pays a prepayment of 30% of the estimated total cost;

(3)The patient in charge verifies the patient's identity and signs a copy of the identity;

(4)Within 24 hours, with the patient's health insurance card and two copies of the identity card, the patient goes to the Health Insurance Reimbursement Office to record in the health insurance reimbursement system;

( 5) for discharge procedures, with the original and copy of the certificate of condition (medical education stamp) discharge card, to the health insurance reimbursement office settlement;

2, urban residents health insurance:

Urban residents health insurance is for the urban unemployed, uninsured children, the elderly and other set of health insurance, pay a fixed fee each year, usually ranging from 30-60 yuan, according to the local policies are different. Resident health insurance participants are entitled to a small amount of reimbursement for outpatient expenses and a proportional amount of reimbursement for hospitalization.

Reimbursement process: Currently it is also possible to settle the bill directly at the medical insurance office set up by the hospital.

When you are admitted to the hospital: you will be admitted by the doctor with your ID card, and you will be required to pay a deposit for the hospitalization.