Medical Insurance Policy for Employees in Hanzhong City in 2023

The main policies of medical insurance for Hanzhong employees in 2023 are as follows:

1. Payment years: Hanzhong employees' medical insurance payment years are 25 years for men and 20 years for women, and retired employees can enjoy medical insurance benefits only after the accumulated payment reaches the specified years;

2. Individual contribution ratio of retirees: after retirement, the individual contribution ratio is 60% of the on-the-job employees;

3. Medical insurance reimbursement ratio: In Hanzhong, the reimbursement ratio of employees' medical insurance policy varies according to different hospitals, different expenses and different ways of seeking medical treatment. The reimbursement rate of medical insurance policy for on-the-job employees is 80%, and that for retirees is 85%;

4. Outpatient reimbursement ratio: the on-the-job employees go to the designated outpatient clinic for medical insurance, with the deductible line of 100 yuan, the reimbursement ratio of 60%, and the annual payment limit of 300 yuan;

5. Reimbursement proportion of hospitalization expenses: In terms of hospitalization expenses, according to different expenses, hospitals and payment methods, the reimbursement proportion of employee medical insurance policy is also different. Among them, the deductible line of hospitalization expenses in 3A hospitals is 900 yuan, and the reimbursement rate is 75%-95%, with the maximum payment limit of 450,000 yuan.

The application conditions of medical insurance for employees in Hanzhong City in 2023 mainly include the following points:

1. Insured objects: Hanzhong urban residents (excluding college students), urban residents within the coverage of employees' basic medical insurance system, flexible employees, civil servants, employees of institutions, employees of various enterprises, employees of private non-enterprise units and rural residents can participate in employee medical insurance;

2. Insurance conditions: the insured must have an urban hukou in this city, which is not within the scope of the basic medical insurance system for urban workers;

3. Payment standard: Pay different medical insurance fees according to different insured persons and payment years;

4. Application time:1-March is the payment time, and April-65438+February is the time to enjoy medical insurance benefits;

5. Application method: The insured shall go to the local district and county medical insurance agency to apply for insurance.

To sum up, the specific provisions may be different due to time, place, policies and other factors, please take local policies as the standard.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.