HKU Hospital can use medical insurance.
The "new rural cooperative medical system", the full name of the new rural cooperative medical system, refers to the medical mutual aid and economic system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily and jointly funded by individuals, collectives and the government.
The new rural cooperative medical system is a medical security system created by farmers themselves in China, which has played an important role in ensuring farmers' access to basic health services, alleviating poverty caused by illness and returning to poverty due to illness. The reimbursement scope of the new rural cooperative medical system includes outpatient compensation, hospitalization compensation and serious illness compensation.
The reimbursement scope of the new rural cooperative medical system is:
The medical expenses, inspection expenses, laboratory expenses, operation expenses, treatment expenses and nursing expenses incurred by the insured in the designated hospital due to illness during the overall planning period are in line with the reimbursement scope of medical insurance for urban workers (that is, effective medical expenses).
The new rural cooperative medical fund payment set up Qifubiaozhun and maximum payment limit. The hospitalization expenses below the annual deductible line of the hospital shall be paid by the individual. If the Qifubiaozhun is reached in the same overall period, the hospitalization expenses incurred by two or more hospitalizations can be reimbursed cumulatively. The hospitalization expenses exceeding Qifubiaozhun shall be calculated in sections and reimbursed cumulatively, and there is a maximum amount of accumulative reimbursement per person per year.
Reimbursement standard of new rural cooperative medical system:
Outpatient compensation:
60% of the medical expenses of village clinics and village center clinics are reimbursed, and the prescription drug fee limit for each visit is 10 yuan, and the prescription drug fee limit for temporary rehydration of hospital doctors is 50 yuan.
40% reimbursement for medical treatment in the town health center, with the limit of examination fee and operation fee for each visit, and the limit of prescription drug fee 100 yuan.
The reimbursement for medical treatment in secondary hospitals is 30%, with the limit of each examination fee and operation fee in 50 yuan and the limit of prescription drug fee in 200 yuan.
Third-level hospitals will be reimbursed 20% for medical treatment. The examination fee and operation fee for each visit are limited to 50 yuan, and the prescription fee is limited to 200 yuan.
Chinese medicine invoice with prescription, limit 1 yuan.
The annual compensation limit for rural cooperative medical clinics is 5000 yuan.
Hospitalization compensation:
Reimbursement scope:
A. Drug expenses: auxiliary examination: examination expenses such as electrocardiogram, X-ray fluoroscopy, radiography, laboratory tests, physiotherapy, acupuncture, CT, nuclear magnetic resonance, etc., limited to 200 yuan; Surgical expenses (refer to the national standard, reimbursement exceeding 1000 yuan 1000 yuan).
B, the elderly over 60 years old are hospitalized in health centers, and the daily treatment and nursing expenses are compensated 10 yuan, with the limit of 200 yuan.
Reimbursement ratio: town health centers reimburse 60%; 40% reimbursement for secondary hospitals; Third-level hospitals are reimbursed 30%.
Compensation for serious illness:
Compensation from town risk fund: if the medical expenses of inpatients participating in cooperative medical care exceed 5,000 yuan at one time or for the whole year, they should be compensated by stages, that is, 5001-kloc-0/0000 yuan is 65%, and10001-8000 yuan is 75%.
The annual compensation limit of town-level cooperative medical system hospitalization, uremia outpatient hemodialysis and tumor outpatient radiotherapy and chemotherapy is 1. 1 ten thousand yuan.
The special diseases reimbursed by the new rural cooperative medical fund are: chemotherapy and radiotherapy for malignant tumors; Hemodialysis and peritoneal dialysis for severe uremia; Anti-rejection therapy after tissue or organ transplantation; Schizophrenia with mental retardation; Systemic lupus erythematosus (one of the complications of heart, lung, kidney, liver and nervous system); Aplastic anemia; Anticoagulation therapy after cardiac surgery. Other special diseases that can be reimbursed shall be subject to local specific policies.
Specific outpatient treatment of special diseases includes necessary supportive treatment and symptomatic treatment of systemic and local reactions during treatment, while general adjuvant treatment is not included in the scope of reimbursement.
Reimbursement procedure of new rural cooperative medical system:
After the insured is discharged from the hospital, the hospitalization invoice, discharge record, expense list, referral certificate, a copy of my ID card or the household registration certificate signed or sealed by the patient shall be handed over to the township joint management office, and sent to the municipal agricultural insurance business management center after examination.
The following circumstances are not included in the reimbursement scope of the new rural cooperative medical system:
(a) the outpatient medical expenses of designated hospitals in non-co-ordination areas (except for outpatient treatment expenses for special diseases), and the expenses incurred by failing to seek medical treatment according to regulations and purchasing medicines by themselves;
(two) the cost of family planning measures and medical expenses in violation of the family planning policy;
(three) dental implants, orthodontics, optometry glasses, hearing AIDS, artificial organs, beauty therapy, cosmetic surgery, rehabilitation (such as qigong, massage, physical therapy, magnetic therapy, etc.). ), as well as various accompanying expenses, medical transportation expenses, home visits and other miscellaneous expenses during hospitalization;
(4) If there is a third party's liability, the medical expenses incurred due to personal injury, such as traffic accidents, medical accidents and work-related injuries, shall be borne by the third responsible person according to law.
(five) medical expenses caused by illegal acts such as suicide, self-mutilation, taking poison, taking drugs, fighting and other intentional acts of their families;
(six) medical expenses incurred during going abroad or staying in Hong Kong, Macao and Taiwan;
(seven) drugs and articles that are not reimbursed according to the medical insurance system for urban workers;
(eight) other expenses determined by the District Medical Management Committee.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.