When a new little life comes into this world, every parent wants to provide them with the best protection. Then, it is particularly important to go through the insurance procedures for the newborn baby. First of all, let's be clear that the time of enrollment of newborn babies is closely related to the length of time they receive medical treatment. According to the relevant regulations, if the newborn baby is successfully insured and pays the medical insurance premium of the year of birth within 90 days of birth, they will be able to enjoy the corresponding medical treatment from the moment of birth to December 31 of the same year. This undoubtedly provides a solid guarantee for new parents, so that the baby can be fully cared for at the beginning of life. However, if the newborn baby is enrolled in the insurance process and pays the medical premiums of the year of birth after 90 days after birth, their medical benefits will start from the 60th day after the payment of premiums until December 31 of the same year. Although it is a little lag compared to the previous situation, at least during this time, if the baby encounters health problems, he can get some medical protection.
The specific policy requirements are generally as follows:
1. Newborn insurance application. Newborns can register for basic medical insurance for urban and rural residents (hereinafter referred to as "resident medical insurance") at their father's or mother's place of household registration, place of work and place of residence (in other cases, the provisions of each overall planning area shall be implemented). The handler shall provide valid identity documents such as the medical certificate of birth of the newborn or ID card, and handle the registration of insurance through the designated medical institution where the newborn was born, the window of the medical insurance agency, the personal network hall of the medical insurance, and the local medical insurance WeChat Alipay applet. The registration of newborns handled by the "online office", "handheld office" and "extended office" shall be reviewed by the handling agency of the place where the insurance is insured, and the reason shall be notified at one time if the audit is not passed. Online and offline acceptance with the same standard, and effectively achieve "nearby office", "intra-provincial mutual office", and "cross-provincial general office".
2. Newborn payment processing. Newborns must pay resident medical insurance premiums according to regulations, and are not subject to the restrictions of the centralized payment period of resident medical insurance in the year of birth, and can pay the resident medical insurance premiums of the current year throughout the year, and only pay the individual payment part. If the payment is made within the centralized payment period, the individual shall declare and pay it independently;If the payment is made during the non-centralized payment period, the medical insurance agency in the place of insurance shall send it to the tax department according to the special verification, and the individual shall declare and pay.
3. On the enjoyment and settlement of newborn treatment
(1) Newborn treatment. If the newborn is insured and paid within 90 days of birth, the benefits can be traced back to the date of birthIf you are born more than 90 days ago, you will start to enjoy the benefits from the next month after the payment.
(2) Settlement of medical treatment for newborns. If the newborn is insured and paid with a birth medical certificate, within 180 days from the date of birth, the medical insurance information platform will automatically file according to the approval of medical treatment without a card, and can directly seek medical treatment and settlement in designated medical institutions, without the need to manually pay for reimbursementIf the application exceeds 180 days, the system will automatically close the cardless medical record. If the insured person does not apply for a social security card or activate the medical insurance code, the individual shall apply to the medical insurance agency, and after review, the record will be processed and the cardless settlement will be opened.
Therefore, it is important for parents of newborn babies to understand the regulations on the duration of enrollment. Prepare early to ensure that your baby is insured at the right time to make them feel more at ease and worry-free on the road to growth.