Can Hangzhou medical insurance be popularized in Zhejiang Province?

Hangzhou medical insurance card can be used in Zhejiang province. According to the settlement system of medical expenses for medical treatment in different places established by the social insurance administrative department and the health administrative department, the medical insurance for employees in the whole province has been networked at present. Hangzhou medical insurance card and Hangzhou medical insurance can be used directly in major hospitals in every county and city in the province without any formalities.

This is common throughout the country. However, several conditions need to be met: First, medical personnel need to register for medical treatment across provinces in accordance with the relevant regulations of the insured place; Second, the hospitals that are hospitalized for medical treatment have opened the national direct settlement service for medical treatment in different places.

Handling method of reimbursement in different places: firstly, bring the applicant's valid documents (ID card, medical insurance card) to the medical insurance service hall in the overall planning area to receive the application form; Fill in the specifications and obtain the seal of the medical insurance institution in the insured place; Hold the completed application form to the medical insurance institution at the place of medical treatment for review and confirmation; After discharge, hospitalization medical expenses can be reimbursed in different places based on the audit results.

However, it should be noted that although the national medical insurance system is constantly improving and the process of medical treatment in different places is becoming more and more simple, the role of basic medical insurance in the real medical expenses of serious illness is still very limited.

Social security reimbursement first has a deductible line, which is different in each region, ranging from hundreds to thousands; Above the top line, not all medical expenses are reimbursed. Only Class A drugs and some Class B drugs are included in social security reimbursement, and the cost of Class C drugs is completely unrecoverable. In addition, among the items that can be reimbursed, social security also has a limit on the proportion of reimbursement. For example, the reimbursement of hospitalization medical expenses will generally be 70% to 85%; Social security reimbursement has a cap line of about 300,000 yuan (in different regions).

Therefore, when a really serious illness occurs, if you really want to cure the disease, the reimbursement of social security is far from enough. I suggest you allocate more commercial medical insurance. When you are considering reimbursement in different places, you must also want to solve the expenditure risk of medical expenses as much as possible. This consideration is very good.

If it is a general minor illness, it may not make much difference whether there is a medical treatment in a different place; However, if there is a serious illness, basically everyone will go to the first-tier cities, big hospitals in the north, Guangzhou and Shenzhen, and find the most famous experts to see a doctor. On the one hand, this means that the cost of treatment must not be low, on the other hand, medical resources are limited. But when a family member is seriously ill, no matter you or me, we will try our best to cure him. The cost of serious illness has the greatest impact on the family economy.

Nowadays, commercial medical insurance, such as millions of medical care, is basically very close to the people. 1 a few hundred yuan a year can enjoy millions of insurance coverage. Regardless of social security, the medical expenses for serious illness in hospitals are basically managed by commercial medical insurance.

The medical insurance card in Zhejiang province is universal in the whole province. In fact, as early as the end of February 20 16, mutual recognition of medical insurance in Zhejiang province was completed, which means that all medical insurance cards in Zhejiang province can be used universally now. Moreover, the medical insurance card actually has many new regulations. For example, it was illegal for your family to buy medicine with your own medical insurance card before, but there are new regulations in the new medical insurance policy in Zhejiang. Personal account balance can be used to pay for one or more family members.

Its realization is that many people basically pay medical insurance, either rural cooperative medical care or five insurances in the company. In fact, no matter what insurance you pay, it is universal in Zhejiang Province now, which means that in different cities, different hospitals can use their own medical insurance cards, no matter where you pay medical insurance.

I have to say that the medical security system in our country is becoming more and more perfect now, and these perfect medical security systems can make people feel a sense of security in the future. A few years ago, most ordinary people probably faced a problem, that is, it was difficult to see a doctor. But now with the support of a strong medical system and medical security, these problems will never return.

For example, the reimbursement rate of rural new rural cooperative medical system is relatively large, reaching about 60%. In this way, even if these farmers are really seriously ill in the future, they will certainly not panic if they have insurance. One more thing to note is that if you pay the new rural cooperative medical system in the countryside, you don't need to pay insurance in the company, because according to the regulations, if you are ill and hospitalized one day, no matter how much insurance you pay, you can only pay one reimbursement, so it is also a waste if you pay more.

Legal basis:

Article 29 of the Social Insurance Law of People's Republic of China (PRC): The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institution and pharmaceutical business unit.