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Is it covered by diabetes critical illness insurance?

author:Super Bowl Home

Author: Sugar Friends Sky

Source: Zhihu

When you are sick and go to the hospital for treatment, the first time you must take out your medical insurance card is to take out your medical insurance card first, but there are some chronic diseases that you want to reimburse but have no medical insurance to report, diabetes is such an example. What can be reimbursed for diabetes and what can't?

Parts of diabetes that can be reimbursed:

1. In the latest 2009 edition of the National Medical Insurance Catalogue, there are three kinds of insulin: animal insulin belongs to Class A medical insurance, which can be reimbursed by 100%, and human insulin and insulin analogues belong to Class B, and the reimbursement ratio varies according to the medical and health economic situation in various places, usually around 70%.

Is it covered by diabetes critical illness insurance?

Insulin is reimbursable

2. If you go to the hospital for treatment and wear the hospital's insulin pump when you are hospitalized, the treatment fee of 7 yuan per hour (depending on the level of the hospital, the cost varies), which can be reimbursed.

Is it covered by diabetes critical illness insurance?

Wear an insulin pump

Parts of diabetes that cannot be reimbursed:

1. The injection needle of insulin is also not reimbursable, for example, if a person takes four injections of insulin a day, it will be a small cost of a few hundred in a month, and you need to pay the full amount of your own expenses, so reusing the needle is really a last resort.

Is it covered by diabetes critical illness insurance?

Insulin injection needles

2. As an insulin infusion device, the insulin pump cannot be reimbursed, and the consumables with the pump are not covered by the medical insurance.

3. The needleless syringes that can be seen on the market now to inject insulin are also self-paying, and they are all paid out of personal pockets.

Is it covered by diabetes critical illness insurance?

Injex 30 needle-free syringe

In some developed countries, because of perfect medical security, most of the sugar friends who use insulin wear insulin pumps, but the price of domestic insulin pumps is a bit expensive, the cheaper domestic insulin pump is 2-30,000, the more expensive imported pump is 5-60,000, and the more expensive 89800 is really not something that ordinary people can use.

It is hoped that in the future, insulin needles and insulin pumps can be included in the scope of medical insurance, so that sugar friends can control blood sugar smoothly and reduce complications and financial burden. After all, if you have diabetes, you will be fighting diabetes for the next few decades, and it will be a sweet burden to calculate the consumables alone.

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