The medical insurance how to settle the bill out-of-pocket part can brush the medical insurance card Why the hospital?

Social health insurance, hospitalization costs are settled directly by the social security bureau with the hospital, the settlement formula: (total cost - starting line - non-social security drugs) X

80%

The remaining part of the hospitalization deposit (i.e., you pay for it yourself); assuming that you are hospitalized in Guangzhou Zhongshan Medical Center, the total cost of 10,000 yuan, and the out-of-pocket expenses for 1,500 yuan of medicines, the social security system automatically settles (10,000 - 2000 - 1,500 *

80% = 5,200 yuan; you pay 4,800 yuan). 2000-1500)*

80%=5200; you pay 4800 RMB.

Commercial insurance, generally advance their own costs, claims reimbursement after discharge, there are also two kinds: one for the sub-projects, within the limits of each item, 100% reimbursement of eligible social security drugs, but it is very difficult to calculate, not to the claim down do not know how much reimbursement; the other for the non-projects, the formula: (total cost - non-social security drugs) *

Reimbursement ratio (80 or 90%) = reimbursement of expenses, the rest need to pay out of pocket.