1. The insured minor residents include all kinds of students who meet the prescribed outpatient medical expenses due to accidental injuries. If the expenses exceed the 60 yuan part, 90% will be paid by the overall fund, and the maximum payment limit in a medical insurance year is 3,000 yuan. Only one outpatient out-of-pocket payment is paid in a medical year.

2, the insured in the city's urban and rural residents basic medical insurance designated medical institutions in accordance with the provisions of the hospitalization medical expenses, Qifubiaozhun above, by the basic medical insurance fund to pay according to the following proportions: tertiary hospitals (including township hospitals, community health service institutions) 70%, secondary hospitals 60%, 50% of a hospital.

3, the insured suffering from special diseases need continuous treatment or long-term medication, outpatient medical expenses according to the prescribed limit standard by the basic medical insurance fund to pay 50%, included in the maximum payment limit.

4, ordinary students, minors and college students accident outpatient medical expenses approved by the medical insurance agencies, within the scope of the policy by the basic medical insurance fund to pay 50%, included in the maximum payment limit.

Changsha medical insurance reimbursement conditions are as follows:

1. The applicant has gone through the insurance formalities and paid the medical insurance premium in full.

2, cooperative medical designated medical institutions for medical treatment.

3. The medical expenses incurred by the insured in hospitalization in medical institutions shall be paid in cash in advance, and relevant documents and materials shall be kept.

The medical insurance reimbursement process for urban and rural residents in Changsha is as follows:

1, insured residents should seek medical treatment in medical institutions managed by the basic medical insurance agreement.

2. After the completion of the medical expenses incurred by the insured residents in the medical institutions under agreement management, they only need to pay the part paid by the individual according to the policy, and the part paid by the urban and rural residents' medical insurance fund will be directly settled by the urban and rural residents' medical insurance agencies and the medical institutions under agreement management.

To sum up, the basic medical insurance for urban and rural residents in Changsha mainly guarantees the basic medical needs of urban and rural residents. Specifically, the coverage includes basic medical expenses, outpatient expenses, hospitalization expenses and special disease expenses. Basic medical expenses include registration fee, examination fee, treatment fee, operation fee, bed fee, etc.

Legal basis:

People's Republic of China (PRC) social insurance law

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The basic medical insurance for urban and rural residents follows the principles of adapting the level of security to the level of economic development, ensuring basic security, wide coverage and sustainability.