How to reimburse for medical treatment under rural insurance
With the continuous improvement of the new rural cooperative medical care (rural insurance) system, more and more farmers are beginning to pay attention to the reimbursement process for rural insurance medical treatment. In order to help everyone better understand the relevant policies for rural insurance reimbursement, this article will introduce in detail the scope of reimbursement, reimbursement ratio, required materials and reimbursement process, and attach a structured data form for your convenience.
1. Rural insurance reimbursement scope
The reimbursement scope of rural insurance mainly includes outpatient, hospitalization, critical illness insurance, etc. Specific reimbursement items are as follows:
| Reimbursement items | Specific content |
|---|---|
| Outpatient reimbursement | General outpatient clinic, chronic disease outpatient clinic, special disease outpatient clinic |
| Hospitalization reimbursement | General hospitalization, emergency transfer hospitalization, off-site hospitalization |
| Critical illness insurance | Illnesses that are in line with the critical illness insurance catalog |
2. Rural insurance reimbursement ratio
Rural insurance reimbursement rates vary by region and medical level. The following is a reference for common reimbursement ratios:
| medical grade | Outpatient reimbursement ratio | Hospitalization reimbursement ratio |
|---|---|---|
| village clinic | 60%-80% | - |
| Township health center | 50%-70% | 70%-90% |
| County hospital | 40%-60% | 60%-80% |
| Municipal and above hospitals | 30%-50% | 50%-70% |
3. Materials required for rural insurance reimbursement
When applying for rural insurance reimbursement, you need to prepare the following materials:
| Material type | Specific content |
|---|---|
| Proof of identity | Rural insurance card, ID card or household registration book |
| Medical expense voucher | Outpatient invoices, hospitalization invoices, expense lists |
| Diagnosis certificate | Outpatient medical records, inpatient medical records, discharge summary |
| Other materials | Transfer certificate (if reimbursement from another place is required), bank account information |
4. Rural insurance reimbursement process
The rural insurance reimbursement process is usually divided into the following steps:
| steps | Specific operations |
|---|---|
| 1. Seek medical attention | Go to designated medical institutions with your rural insurance card |
| 2. Settlement | Settlement directly upon discharge or reimbursement after retaining the invoice |
| 3. Submit materials | Submit the required materials to the local agricultural insurance agency |
| 4. Review | The handling agency reviews the materials and calculates the reimbursement amount |
| 5. Reimbursement | The reimbursement amount is deposited into the designated bank account |
5. Things to note
1.Designated medical institutions: Rural insurance reimbursement usually requires medical treatment in designated medical institutions. Non-designated institutions may not be able to reimburse or the reimbursement ratio is lower.
2.Referral procedures: If you need to go to a higher-level hospital for treatment, you need to go through the referral procedures, otherwise the reimbursement rate may be affected.
3.Reimbursement time limit: Rural insurance reimbursement generally has a time limit, usually within six months after seeking medical treatment. Overdue reimbursement may not be possible.
4.Policy changes: Agricultural insurance policies may be adjusted depending on the region and time. It is recommended to regularly pay attention to the latest notices from the local agricultural insurance department.
6. Summary
Rural insurance medical reimbursement is an important way for farmers to enjoy medical security. Through the introduction of this article, I hope everyone can have a clearer understanding of the scope, proportion, materials and processes of rural insurance reimbursement. If you encounter problems in actual operations, it is recommended to consult the local agricultural insurance agency in time to ensure smooth reimbursement.
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