Can I reimburse my medical insurance card when I have a baby? How much is the reimbursement?

The cost of giving birth to a child in hospital can be reported to medical insurance, and the medical insurance card can be directly used for real-time settlement.

The cost of giving birth includes the hospitalization fee for normal delivery and the cost of family planning operation. The medical expenses of hospital delivery are directly settled online through social security cards. Usually, the hospital will leave the social security card and maternity service certificate when the parturient goes through the hospitalization formalities, and will automatically take away the reimbursement part when checking out.

Proportion of reimbursement for medical insurance hospitalization expenses:

1, urban workers: 1 90% in first-class hospitals, 80% in second-class hospitals and 70% in third-class hospitals.

2. Urban residents: the reimbursement rate is 65%.

3. Cooperative medical care: 1 level hospital 27%, level 2 hospital 50%, level 3 hospital 60-70%.

For example, residents' medical insurance reimburses the cost of having children. They gave birth naturally in designated hospitals at the township level, and they basically subsidized 300 yuan in a fixed amount. In the designated hospitals at or above the county level, 450 yuan will be given a fixed subsidy. However, if it is a caesarean section, the general medical expenses can only be reimbursed if it exceeds 2,000, and between 2,000 and 7,000, it can be reimbursed by 45%; The part exceeding 7000 can be reimbursed by 65%.

If you use employee medical insurance to reimburse, you can basically reimburse about 60% to 80% of the expenses. However, maternity insurance is included in the social security handled by employees, so it is basically reimbursed by maternity insurance. If female employees give birth, maternity insurance can generally be reimbursed by more than 75%.

Legal basis:

People's Republic of China (PRC) social insurance law

Eighth social insurance agencies to provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.

Fifty-fifth maternity medical expenses include the following:

(1) Maternity medical expenses;

(two) family planning medical expenses;

(3) Other project expenses stipulated by laws and regulations.