Looking at this issue from my own perspective, when I meet parents who are vaccinating their children, they say that self-paid vaccines cannot be covered by medical insurance; when I meet employees of a company, they say that medical insurance can reimburse some hospital medical expenses; when I meet farmers coming out of the hospital, they say that the 380 plan is useless, and nothing is reimbursed. I don't understand, what is the purpose of the same 380 plan?
Medical Insurance Bureau "Is it true that 'paying 380 for a year can actually get millions reimbursed'?"
In order to help the public alleviate worries about medical treatment after illness, the country has established a system of basic medical insurance and other social insurance systems to ensure that citizens have the right to receive material assistance from the state and society in accordance with the law in cases of illness and other situations. Currently, the country has established a triple guarantee system with basic medical insurance as the main body, supplementary medical insurance such as serious illness insurance, and medical assistance as the bottom line. Among them, the basic medical insurance for urban and rural residents covers non-employed populations, with a reimbursement rate for hospitalization expenses of around 70% within the policy scope. Insured individuals can also enjoy supplementary coverage from serious illness insurance, with the combined hospitalization reimbursement limit reaching around 6 times the per capita disposable income of local residents. The payment rate for serious illness insurance is not less than 60%, with a 50% reduction in the deductible standard for recipients of subsistence allowances, extremely poor individuals, and those who have returned to poverty, a 5% increase in the payment rate, and a further increase in the maximum payment limit. Eligible disadvantaged groups can also enjoy the bottom-line protection of medical assistance. This means that eligible disadvantaged groups, as long as they participate in resident medical insurance, have the medical insurance system as a solid bottom line when facing high medical expenses due to serious illness.