Medical insurance is mainly divided into employee medical insurance and resident medical insurance (including NCMS). In both types of medical insurance, you can enjoy secondary reimbursement , which is additional critical illness insurance. The second reimbursement of employee medical insurance refers to the second reimbursement of those who participate in employee medical insurance, after the first reimbursement, if the remaining out-of-pocket proportion exceeds the threshold for serious illness medical treatment. In order to increase the welfare of employees, some units will provide six insurances and one housing fund, which is actually a supplementary medical insurance added on the basis of the original five insurances and one housing fund, and the second reimbursement of serious illnesses of employees' medical insurance will be based on this.
Whether it is employee medical insurance or resident medical insurance, the secondary reimbursement adopts the method of direct settlement. When the insured person's in-policy expenses meet the standard of secondary reimbursement, the secondary reimbursement procedure will be automatically initiated. When the patient is discharged from the hospital, this part of the cost will be settled together with the other medical insurance expenses, and the settled amount will be clearly displayed on the discharge statement.
The specific conditions and reimbursement rates may vary from region to region, so it is recommended to consult your local social security bureau or relevant policies for more detailed information.