Reimbursement conditions: 1. Participated in the medical insurance of that year. 2. The medical expenses reach the Qifubiaozhun, and they will be reimbursed at different levels after reaching the Qifubiaozhun. 3. Qifubiaozhun is that one-time medical expenses reach Qifubiaozhun, and multiple medical treatments cannot be combined.
The second kind of medical insurance is to avoid catastrophic family medical payment, so it is reimbursed by stages. According to the local medical qifubiaozhun, the higher the general medical expenses, the higher the payment ratio. Qifubiaozhun ratio is as follows:
1. The minimum threshold is 0-20,000 yuan (including 20,000 yuan), and the reimbursement rate is 50%.
2. Qifubiaozhun is 20,000-40,000 yuan (including 40,000 yuan), and the reimbursement ratio is 60%.
3. Qifubiaozhun is 40,000-60,000 yuan (including 60,000 yuan), and the reimbursement ratio is 70%.
4. Qifubiaozhun is more than 60,000 yuan, and the reimbursement rate is 80%.
However, the reimbursement ratio of secondary medical insurance is not directly based on the amount of medical expenses you spend, but is calculated according to the unified deductible line and level, such as:
All medical expenses of Xiaoli, excluding the first medical insurance reimbursement, generated 50,000 yuan of medical expenses eligible for reimbursement. If the local threshold is 5,000 yuan, Xiaoli's second medical insurance reimbursement is calculated as follows:
50,000-5,000 yuan = 45,000 yuan, of which 50% will be reimbursed for 0-20,000 yuan, 60% for 20,000-40,000 yuan and 70% for 40,000-60,000 yuan, that is, (20,000 * 50%)+(20,000 * 60%)+(5000 *).
Then Xiaoli's second medical insurance can be reimbursed for 25,500 yuan.
With the development of modern science and technology, many places no longer need to apply for the second medical insurance reimbursement, which can be directly deducted when the hospital settles.