How to deal with neonatal medical insurance in Zhejiang

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Newborns also have medical insurance cards. Don't forget to apply within three months!

Can newborns also apply for social security?

Compared with the adult medical insurance for urban residents, people know little about the medical insurance for newborns and children. Ms. Liu's daughter is over 2 years old this year. She said, "I was told that I could provide medical insurance for my children, so I did. But that medical insurance card has never been used, and I don't know what diseases can be reimbursed. What is the reimbursement ratio? "

"The baby was born for half a year and has never made time to apply for a medical insurance card. If we need to prepare any documents, is the handling process complicated? " "Mama Xixi" also asked the newborn about the procedures of medical insurance for urban residents in Yao Yao community.

A few months before the baby was born, the fledgling parents were busy and often forgot to go through the medical insurance procedures for their children. In addition, healthy newborns still account for the vast majority, and there are not many opportunities for medical insurance cards to come in handy.

In fact, if the mother participates in the medical insurance for urban residents, the newborn within three months can enjoy the medical treatment of the mother; If the mother participates in the new rural cooperative medical system, the newborn can also enjoy the mother's medical insurance in the production payment year. Newborns share their mothers' medical insurance more than their own medical insurance cards.

Remind "novice" parents that if their children fail to provide medical insurance three months after their birth, the medical expenses will not be reimbursed. The medical insurance policy covers newborns and guarantees medical treatment. In medical care, newborns are the same as teenagers and college students. When the child is discharged from the hospital and has a medical insurance card, the report can be settled in time, just like the reimbursement procedure for adults.

How to handle the baby medical insurance card?

Students who are not included in the basic medical insurance system for urban workers (including students from universities, primary and secondary schools and higher vocational schools, technical secondary schools and technical schools), children and other non-employed urban residents may voluntarily participate in the basic medical insurance for urban residents. Migrant workers and their children can also participate in the basic medical insurance for urban residents.

The method of handling the baby's medical insurance card is as follows: it is best to handle it within three months after the baby is born, because many places have opened a "green channel" for the baby, that is, those who handle the medical insurance card within three months after the baby is born will enjoy medical insurance benefits from the date of birth. If it is more than three months and less than one year, then you will enjoy medical insurance benefits from the next month. Those over one year old will have to wait for 65438+ 10/month 1 next year to enjoy medical insurance benefits.

After handling the medical insurance card, the individual pays part of the money and financial subsidies. You can use this money to buy medicine. Children's resistance is poor, and they can get financial subsidies for medical insurance cards.

If the baby is sick and hospitalized, he can be reimbursed according to a certain proportion after handling the medical insurance card. The reimbursement rates of first-,second-and third-level hospitals are 80%, 70% and 60% respectively, and the maximum payment limit of the overall fund is 50,000 yuan, and the maximum payment limit of medical insurance for serious illness reaches 6,543,800 yuan.

How to apply for a baby medical insurance card?

Go to your community to get the registration form of basic medical insurance for urban residents and fill in the relevant information. Bring the materials.

Household register and its copy. You should bring the original and photocopy of the household registration book, and the photocopy must copy the first page and baby page of the household registration book.

ID card and copy/ID number. Generally, you need an ID card to apply for medical insurance, because the age requirements for applying for an ID card are different in some places. If you don't have an ID card, you need to provide your ID number.

Photos of guardian and insured, 2-inch photos, 4 photos. (The requirements vary from place to place. Please pay attention to the detailed rules for the implementation of basic medical insurance for local urban residents. )