The implementation plan of serious illness insurance for urban and rural residents in Dazhou will come into effect next month

2022-07-08 0 By

On February 8, dazhou Municipal People’s Government office issued the Implementation Plan of Serious illness Insurance for Urban and Rural Residents of Dazhou city (hereinafter referred to as the Plan). The plan will come into force on March 1, 2022 and will be valid for five years.According to pay of bureau of guarantee of medical treatment of reach city city safeguard and agency handle guide section relevant chief introduction, insurance of urban and rural dweller serious illness is on the foundation that primary medical treatment ensures, the system sex arrangement that the high medical treatment charge that produces to serious illness patient gives further safeguard, it is the development of system of primary medical treatment guarantee, outspread and beneficial complement.”The introduction of the plan is also aimed at further improving the medical security system for urban and rural residents in Dazhou city, improving the multi-level medical security system, and improving the level of serious and serious diseases.””Plan” adhere to the “people-oriented, ensuring a serious illness, overall coordination, policy, government leading, professional to undertake, steady progress, continue to implement” principle, will introduce the market mechanism, by commercial insurance institutions to undertake, play to the basic medical insurance, serious illness insurance, medical treatment system, such as collaborative complementary role,We will put in place a mechanism for the government, private and commercial insurance institutions to share the risks of serious diseases, and reduce the cost burden of insured people.Ginseng what protect personnel cares most is insurance premium is how many, how pay cost?It is understood that the serious disease insurance fund will be included in the basic medical insurance fund for urban and rural residents, and participants will not pay additional contributions.”That is to say, at present, the medical insurance for urban and rural residents in Dazhou city is 320 yuan per person per year, which includes the cost of serious illness medical insurance, and the insured need not pay additional fees.”The target of the scheme is dazhou residents’ medical insurance participants.In principle, the minimum payment standard shall not be higher than 50% of the per capita disposable income of dazhou residents in the previous year. The commercial undertaking agency of serious disease insurance shall pay the above part of the minimum payment standard according to the provisions.Critical illness insurance covers the period from January 1 to December 31 every year.It is worth noting that the compliance medical expenses incurred by the undertaking institutions to the insured personnel, after the residents’ medical insurance payment, the part of the individual burden above the threshold of payment shall be paid progressively, without capping line.How to reimburse serious illness insurance for large hospitalization expenses incurred by insured urban and rural residents?In an insurance year, for the part of the accumulated compliance medical expenses that the individual needs to bear for a single or multiple hospitalization that exceeds 8,000 YUAN, progressive reimbursement shall be made in stages: 60% shall be reimbursed for the part between 8,000 yuan and 50,000 Yuan;65 percent will be reimbursed for the part exceeding 50,000 yuan to 100,000 yuan;For the part exceeding 100000 yuan, 80% will be reimbursed without capping line.If the insured residents are extremely poor or eligible for subsistence allowances, the threshold for payment will be lowered by 50 percent (4,000 yuan), and the reimbursement rate will be increased by 5 percentage points.At the same time, if self-payment of compliance medical expenses occurs after major illness insurance payment within one policy year, the self-payment of compliance medical expenses shall be based on the total self-payment of compliance medical expenses occurring again, without deducting the threshold payment standard, and the compensation shall be calculated according to the aforementioned compensation ratio, and 60% of the payment less than the threshold payment standard shall be paid.Dazhou City medical insurance bureau, municipal finance bureau will be based on the serious disease insurance fund operation and insurance personnel medical cost burden, to the serious disease reimbursement of the financing standard, the standard and reimbursement ratio of dynamic adjustment.Disclaimer: This article is reproduced for the purpose of conveying more information.If the source is wrong or violated your legitimate rights and interests, please contact the author with proof of ownership, we will promptly correct, delete, thank you.Email address: newmedia@xxcb.cn