The payment of more medical insurance and the payment of less are mainly reflected in the difference in medical insurance treatment of different payment grades. Taking Shenzhen as an example, medical insurance payment is divided into one, two and three levels, and the payment standards of different grades correspond to different medical insurance treatments. Here are some of the key differences between more and less health insurance contributions.
1.The first-tier insured can seek medical treatment at any certain medical institution in the city, and the choice is wider.
2.The outpatient clinic of the second-tier insured person needs to be treated in the bound community health center, the hospitalization** can be carried out in any medical institution in the city, and the outpatient serious illness needs to be treated in the specified medical institution.
1.The first-tier insured person uses his personal account to pay for the medical expenses in the general outpatient medical insurance catalog. 70% of the basic medical expenses of the community health centre are paid by the personal account and 30% by the co-ordinator**.
2.The outpatient treatment of the second-tier insured is mainly paid according to the category of drugs (Class A drugs and Class B drugs) by the community outpatient co-ordination** according to a certain proportion, such as 80% for Class A drugs, 60% for Class B drugs, and 90% for individual diagnosis and treatment or medical materials in the medical insurance catalog, and there is a certain maximum payment limit.
1.The general outpatient blood transfusion fee of the first-tier insured person is generally paid by the co-ordination ** according to the regulations.
2.The second-tier insured is mainly paid 70% by the co-ordination**.
1.The ordinary outpatient expenses, serious illness outpatient expenses, and hospitalization expenses of the first-class insured can be reimbursed according to the regulations.
2.The general outpatient expenses of the second-tier insured persons will not be reimbursed, and the eligible outpatient expenses and hospitalization expenses for serious illnesses can be reimbursed according to regulations.
These differences reflect the differences in treatment between different levels of medical insurance, and generally speaking, the more you pay, the more comprehensive medical protection and more relaxed medical conditions. Hope you find the above helpful! The content of this article is for reference only and is subject to local regulations.