At present, China has established a perfect medical security system, and urban residents without employee medical insurance can purchase basic medical insurance. In this way, when he is sick, he can take the medical insurance card to the designated hospital for treatment and reimburse part of the expenses. Of course, there are certain standards for reimbursement, so what is the proportion of medical insurance reimbursement for urban residents? Now let's follow Bian Xiao to learn more.
1. What is the reimbursement rate of medical insurance for urban residents?
1, students, children. In a settlement year, medical expenses below RMB 6,543,800+0,800 yuan that meet the scope of reimbursement occurred. The threshold for tertiary hospitals is 500 yuan, and the reimbursement ratio is 55%; The qifubiaozhun for secondary hospitals is 300 yuan, and the reimbursement rate is 60%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 65%.
2. Older people over 70 years old. In a settlement year, medical expenses below RMB 6,543,800+that meet the scope of reimbursement occur, and the threshold of tertiary hospitals is 500 yuan, and the reimbursement ratio is 50%; The qifubiaozhun for secondary hospitals is 300 yuan, and the reimbursement rate is 60%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 65%.
3. Other urban residents. In a settlement year, medical expenses below RMB 6,543,800+that meet the scope of reimbursement occur, and the threshold of tertiary hospitals is 500 yuan, and the reimbursement ratio is 50%; The Qifubiaozhun for hospitalization in secondary hospitals is 300 yuan, and the reimbursement rate is 55%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 60%.
Two, what information should be submitted to apply for medical insurance for urban residents?
1. Urban residents who take the family as the unit to participate in the insurance shall provide the original and photocopy of the household registration book, resident ID card or other valid identification certificate issued by the public security organ.
2. Persons with special identities, such as severely disabled persons, persons enjoying subsistence allowances, family members with special difficulties, and elderly people over 60 years old from low-income families, shall provide the original and photocopy of relevant documents. Students who have non-agricultural household registration in this city and have reached the age of 18 should provide the original and photocopy of their student ID card if they are insured with their families.
3. When college students are insured, they need to provide a student ID card or a student status certificate issued by the school. Students who are severely disabled, enjoy subsistence allowances, have special family difficulties and enjoy national student loans should also provide relevant documents that meet the requirements.
4. When the children of migrant workers who receive compulsory education in this city are insured, they should provide proof that their parents participated in the basic medical insurance for urban workers, medical insurance for migrant workers or industrial injury insurance for migrant workers in this city, as well as the original and photocopy of the school registration certificate and household registration book issued by the school.
3. What is the payment standard of medical insurance for urban residents?
The annual fund-raising standard for students and children is 100 yuan. Individuals pay medical insurance premiums in 60 yuan, and the rest in 40 yuan are subsidized by the government. Students and children from severely disabled, low-income families and families with special difficulties do not pay fees, and all medical insurance premiums are subsidized by the government. Non-employed urban adult residents raise funds in 560 yuan per person per year, and the payment and subsidy standards are:
1, severely disabled people, people enjoying subsistence allowances, family members with special difficulties and elderly people over 60 years old in low-income families, individuals do not pay fees, and medical insurance premiums are all subsidized by the government;
2. Individuals over 70 years old pay medical insurance premiums 120 yuan, and the rest of 440 yuan is subsidized by the government;
3. Other non-employed urban residents pay medical insurance premiums in 330 yuan, and the rest in 230 yuan are subsidized by the government.
It can be seen that children, the elderly and the unemployed in cities and towns can protect their medical expenses when they are sick by purchasing medical insurance for urban residents. At present, the proportion of medical insurance reimbursement for urban residents is divided into three grades according to children, the elderly and other personnel, and the proportion ranges from 55% to 65%. The cost of buying this kind of insurance is not high. For students, one year 100 yuan is enough, and individuals only need to pay 60 yuan.