Cooperative medical insurance is best to seek medical treatment at the place of purchase, and it is not supported to seek medical treatment in different places. Therefore, it is necessary to obtain the approval of the local medical management institution before seeking medical treatment, and the reimbursement ratio will be slightly lower than that of the insured place.

Reimbursement is carried out in proportion, generally floating around 20-70%. The proportion and amount of reimbursement are related to their own examination and medication, medical level and other factors. For example, it is clear that Class A drugs can enjoy full coverage, Class C drugs need to bear all the costs, and Class B drugs will report 80% and bear 20% of the costs.

Someone spent a total of 6000 yuan on medical expenses, and the reimbursement formula is as follows: (6000-500 deductible-self-paid medicine) *70%. If self-funded drugs account for a large proportion, there is not much amount to be reimbursed.

In addition, it is also important to go to designated medical institutions for medical treatment.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.