How to reimburse the medical insurance bought by the university
With the arrival of the school season, many college students are beginning to pay attention to the issue of medical insurance reimbursement. The medical insurance purchased during college is an important part of student medical insurance, but many students are not clear about the reimbursement process and precautions. This article will introduce in detail the reimbursement process, required materials and frequently asked questions of university medical insurance to help everyone make better use of medical insurance benefits.
1. University Medical Insurance Reimbursement Process
University medical insurance reimbursement is usually divided into two methods: on-campus reimbursement and off-campus reimbursement. The specific process is as follows:
| Reimbursement type | Reimbursement process |
|---|---|
| On-campus reimbursement | 1. Settlement will be made directly after visiting the school hospital without additional reimbursement. 2. If referral is required, a referral certificate must be issued by the school hospital first |
| Off-campus reimbursement | 1. Keep all medical receipts (invoices, prescriptions, examination reports, etc.) 2. Fill out the reimbursement application form 3. Submit materials to the school medical insurance office 4. Waiting for review results |
2. Materials required for reimbursement
Medical insurance policies in different regions may vary slightly, but the following materials are usually required:
| Material type | Description |
|---|---|
| medical expense invoice | Original document, must be stamped with the official seal of the hospital |
| Diagnosis certificate | Need to indicate the condition and treatment plan |
| Drug list | If any medication is prescribed, a detailed list is required |
| inspection report | If there is an inspection, relevant reports must be provided |
| Copy of student ID card | Prove student status |
3. Reimbursement ratio and limit
The reimbursement ratio and limit of university medical insurance vary by region and policy. The following are common standards:
| Project | Reimbursement ratio | annual limit |
|---|---|---|
| Outpatient expenses | 50%-70% | 500-1000 yuan |
| hospitalization expenses | 70%-90% | 100,000-200,000 yuan |
| special disease | 80%-90% | Adjust according to policy |
4. Frequently Asked Questions
1. Is there a time limit for medical insurance reimbursement?
Yes, an application for reimbursement usually needs to be submitted within 3-6 months after medical treatment. The specific time is subject to school regulations.
2. Can off-campus medical treatment be directly reimbursed?
Under normal circumstances, off-campus medical treatment requires a referral certificate from the campus hospital, otherwise the reimbursement may not be possible or the reimbursement rate may be lower.
3. What situations cannot be reimbursed?
Cosmetic plastic surgery, myopia correction, and non-disease treatment items are usually not covered by reimbursement.
4. How to reimburse for medical treatment in other places during winter and summer vacations?
It is necessary to register for off-site medical treatment in advance and keep all medical receipts. After returning to school, follow the off-campus reimbursement process.
5. Warm reminder
1. Before seeking medical treatment, be sure to confirm whether the hospital is a designated medical insurance institution.
2. Keep all medical-related receipts to avoid loss and impact on reimbursement.
3. Pay attention to changes in school medical insurance policies in a timely manner to avoid missing the reimbursement time.
4. If you have any questions, please consult the school medical insurance office or the local social security department.
Through the above introduction, I believe everyone has a clearer understanding of university medical insurance reimbursement. Reasonable use of medical insurance policies can effectively reduce the medical burden. It is recommended that students save this article for future reference.
check the details
check the details
en
