Legal subjectivity:
In our country, there are two general guarantees. One is social security and the other is medical insurance. Hope it helps everyone.
1. How to apply for newborn medical insurance
Go to your community to get the "Urban Resident Basic Medical Insurance Registration Form" and fill in the relevant information. And bring the following materials:
Household register and copies. You must bring the original and copy of your household registration book. The photocopy must be a copy of the first page of the household registration book and the baby page.
ID card and copy/ID card number. Generally, you need your ID card to apply for medical insurance, because the age requirements for applying for ID cards are different in some places. If you don't have an ID card, you need to provide your ID card number.
2. Things to note when applying for infant medical insurance
First, it is best to apply for infant medical insurance for your child within three months of birth. This is because the earlier you apply for medical insurance for your children, the sooner you can enjoy corresponding preferential treatment.
Second, newborns’ medical insurance benefits begin from the day they are born. Therefore, after enrolling in the insurance, parents can reimburse themselves for the medical expenses they paid before enrolling in the insurance.
Thirdly, if the newborn is hospitalized for serious illness, 70% of the cost can be reimbursed according to regulations.
3. Pay attention to six rules when reimbursing medical insurance
Article 1:
Be careful to seek medical treatment and buy medicines in designated institutions
Medical insurance has designated institutions! When signing up for insurance, you must remember where your designated hospital is. Only visits to designated hospitals for medical treatment and hospitalization can be reimbursed. If you go to non-designated medical institutions, the treatment costs cannot be reimbursed and you can only bear them yourself. The same goes for buying medicines. Only pharmacies designated by the medical insurance can swipe the medical insurance card to buy medicines, and other pharmacies can only pay out of their own pockets.
Article 2:
Do not transfer to another hospital privately
If you have some diseases that cannot be treated in designated medical institutions and you want to go to a better hospital for treatment, you must apply first. Reimbursement can only be made if referral procedures are complete; if you do not apply for referral, it is still equivalent to going to a designated medical institution that you did not choose, and you still often cannot be reimbursed. There are often differences in the reimbursement ratio. Generally speaking, the higher the level of hospital you go to for medical treatment, the lower the reimbursement ratio.
Article 3:
Medical insurance has a deductible before you can apply for it
Medical insurance has a deductible, and you can only apply for it if you pay first. Reimbursement can only be made after the quantity is reached. For example, place X stipulates that the minimum outpatient payment threshold is 1,800 yuan. If the total amount of outpatient medical expenses in a year is less than 1,800 yuan, the money must be paid out by oneself; if it exceeds 1,800 yuan, reimbursement can begin. At the same time, medical insurance also has a ceiling, which means that the maximum amount of money the medical insurance will reimburse you is not reimbursed for any excess.
Article 4:
Some drugs cannot be reimbursed
The drugs reimbursed by medical insurance are specific. Only drugs in the medical insurance catalog can be reimbursed, and for medical insurance Drugs outside the catalog cannot be reimbursed, such as many imported expensive innovative drugs and patented drugs. Therefore, communicate with your doctor before taking medicine. If you want to save money, you should use the medicines in the catalog.
Article 5:
Some special surcharges cannot be reimbursed
A common one is that you have a private room when you are hospitalized, or you have requested special services, such as specialized Doctors, nurses, etc., these cannot be reimbursed. If you really have special needs, you have to pay for them yourself.
Article 6:
Be careful not to exceed the time limit for reimbursement
When you are discharged from the hospital, you must use your social security card to settle various expenses. If you cannot do so immediately under special circumstances After settling the bill, you can take the receipts and go to the medical insurance department to manually reimburse the medical expenses. But you need to hurry up at this time, because there are often time limits. For example, in some places, the medical insurance department will conduct liquidation before the end of the year, and reimbursement will not be reimbursed after the time limit. Don't be careless and forget to reimburse medical expenses. When the time limit is exceeded, you will have to bear these expenses yourself.
The above is the entire content of this article. From it, we can learn how to apply for newborn medical insurance, what to pay attention to when applying for infant medical insurance, and the six rules to pay attention to when reimbursing medical insurance. They are online 24 hours a day and can answer your legal questions at any time. Legal objectivity:
Article 24 of the "Social Insurance Law" The state establishes and improves a new rural cooperative medical system. The management measures for the new rural cooperative medical care shall be stipulated by the State Council. Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions and government subsidies. The government subsidizes the required personal contributions for people who enjoy the minimum living security, disabled people who have lost the ability to work, elderly people over 60 years old and minors from low-income families.