Good medical insurance free medical payment can be used to reimburse hospitalization expenses, and the scope of reimbursement is 50% of the hospitalization expenses paid by individuals. The upper limit of reimbursement for each hospitalization is: the accumulated insurance amount at 24: 00 on the day of admission of this hospitalization MINUS the accumulated claim amount during the insurance period.
How to make good use of medical insurance and free medical insurance fund?
1. Log in to Alipay by mobile phone, and click My-Insurance Service-My in the lower right corner to enter the Ant Insurance page;
2. On my insurance page, pull to my policy area, find good medical insurance and free medical insurance policies, and apply for compensation after entering the details page;
3. According to the page prompts, select or fill in the telephone number, city, hospital and discharge time of the applicant, and submit the information;
4. Enter the submission interface and upload medical documents such as the front and back of ID card, hospitalization summary, medical invoice/expense list (if you claim for a child, you need to prepare a household registration book, birth certificate or guardianship certificate).
5. Submit it to the insurance company for review and wait for identity confirmation;
6. After the insurance company is approved, the payment can be completed within 3 working days.
Good medical insurance free medical insurance surrender method:
1. You can go to the insured insurance company (PICC China) to handle the surrender formalities with your ID card and other materials;
2. You can surrender directly on Alipay. You can enter my customer service from Alipay "My" and send the message "Good medical insurance surrender". The customer service will ask the question of "how to surrender good medical insurance". Click to enter, and you can see the entrance link of "Manual Surrender" on the drop-down page. Click enter to surrender.
Generally speaking, if the medical insurance is surrendered within the hesitation period (from the date of signature of the insured/within 0/5 days of kloc), all the insurance premiums paid by the insured can be refunded; If you surrender after the hesitation period, you can return the cash value of the policy, and the insured may have to bear certain economic losses. Among them, the premium payment method is annual payment, and the cash value of the policy is calculated as the annual premium of the insurance contract in the current year *( 1-30%)*( 1- guarantee days in the current year/actual days in the current year); If the premium is paid monthly, the cash value of the policy is calculated as the monthly premium of the current insurance contract *( 1-30%)*( 1- the number of days covered in the current month/the actual number of days in the current month). It should be noted that if the insurance contract has been paid, or in the grace period or suspension period, the cash value of the policy is zero.
Legal basis:
Guiding Opinions of the General Office of the State Council on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients (V) Standardize the scope of personal accounts. Personal accounts are mainly used to pay out-of-pocket expenses of insured persons within the policy scope of designated medical institutions or designated retail pharmacies. It can be used to pay the medical expenses incurred by the insured and their spouses, parents and children in designated medical institutions, as well as the expenses incurred by individuals in purchasing drugs, medical devices and medical consumables in designated retail pharmacies. Explore the personal accounts of spouses, parents and children participating in the basic medical insurance for urban and rural residents. Personal accounts shall not be used for public health expenses, physical fitness or health care consumption and other expenses that are not covered by the basic medical insurance. Improve the management measures for the use of personal accounts and do a good job in the statistics of income and expenditure information.