Accidental injury medical insurance can report how much

Legal analysis: In general, the reimbursement rate of medical insurance fluctuates around 70%. The amount of reimbursement rate is related to the medical grade, examination, medication and other factors. class A drugs can enjoy full reimbursement, class B reimbursement of 80%, the proportion of 20% of the self-payment, while class C is required to pay all the self-payment. The reimbursement rate varies from place to place, so check with your local health insurance office for details. The reimbursement status of medical insurance can be checked on the local social security website. In order to enjoy the medical insurance treatment, you need to go to a designated medical institution. Medical insurance is not fully reimbursable, but the individual has to pay a part of it and there is a maximum payment limit. Individuals are responsible for: general outpatient (emergency) clinic fees; designated retail pharmacy drug costs; hospitalization (outpatient prescribed diseases) part of the costs also have to pay; the maximum payment limit refers to the maximum amount of the basic medical insurance fund to pay for the participant's medical expenses in a medical year. The standard is about four times the average salary of the employees in the previous year in the city. If it is not a work injury, the medical insurance is responsible for reimbursement. Nowadays, medical insurance policies vary from place to place, and the general medical expenses for accidental injuries are written off with reference to the proportion of natural physiological diseases, and there are also certain regions which stipulate that such medical expenses are appropriately reduced by 10-20 percentage points. The reimbursement rate of accidental injury hospitalization medical expenses of general commercial insurance may be different in different insurance companies and different types of insurance. For example, if a customer of Xinhua Insurance Company is treated in an accredited hospital for an accidental injury, 80% of the reasonable medical expenses incurred within 180 days from the date of the accidental injury will be reimbursed after deducting the absolute deductible of RMB 50. If reimbursement or compensation has been obtained from social security or other sources, the remaining portion will be reimbursed.

Legal basis: The Insurance Law of the People's Republic of China Article 95 The business scope of an insurance company: (1) Life insurance business, including life insurance, health insurance, accidental injury insurance and other insurance business; (2) Property insurance business, including property damage insurance, liability insurance, credit insurance, guarantee insurance and other insurance business; (3) Other insurance-related businesses approved by the Insurance Supervisory and Administration Commission of the State Council. (iii) other insurance-related businesses approved by the Insurance Supervision and Administration Bureau of the State Council. An insurer shall not engage in both personal insurance business and property insurance business. However, an insurer engaged in property insurance business may, with the approval of the Insurance Regulatory Commission under the State Council, engage in short-term health insurance business and accidental injury insurance business. The insurance company shall engage in insurance business activities within the business scope approved by the Insurance Regulatory Commission of the State Council in accordance with the law.