Zhuhai Newborn Medical Insurance Reimbursement Policy

There are three reimbursement rates for neonatal medical insurance: 40% for general outpatient service, 75% for critically ill outpatient service and 80% for hospitalization. However, due to different local policies, the reimbursement ratio will be different. Specific to the local medical insurance reimbursement policy, as long as the expenses included in the scope of medical insurance reimbursement can be reimbursed in proportion.

How to deal with children's medical insurance?

1, when to apply for children's medical insurance?

Children's medical insurance is best handled within three months after the baby is born. In some areas, hospitalization expenses can be reimbursed from the day the baby is born.

Although some parents with strong insurance awareness will buy commercial insurance for their baby early, most commercial insurance is generally 28 days after the baby is born.

Plus the waiting period of 90 days or even 180 days, the baby's protection will be empty for almost half a year.

For children's medical insurance, even if there is no medical insurance card, hospitalization expenses are paid in advance by parents and can be reimbursed later.

However, in some places, it is stipulated that a baby can only be reimbursed 30 days after birth. You can consult the local social security bureau for specific regulations.

2 children's medical insurance procedures

Processing materials: baby's birth certificate and photo, parents' household registration book, parents' ID card and bank card.

Location: Neighborhood office, village committee or the nearest social security center where the insured person is located, but sometimes neighborhood committees and neighborhood offices can provide more help to parents.

To sum up, when handling children's medical insurance, we must prepare all relevant handling materials. On the basis of children's medical insurance, accident insurance, critical illness insurance and millions of medical insurance can be reasonably matched.

Legal basis: Article 29 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the medical expenses incurred by the insured shall be paid by the basic medical insurance fund and directly settled by social insurance agencies, medical institutions and pharmaceutical trading units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.