On the Internet, you will often see some patients crowdfunding due to high medical costs, how effective it is, it is unknown, but in Lianshui, as long as the personnel who participate in Lianshui County employee medical insurance or resident medical insurance, regardless of age, occupation, gender medical history, only need to purchase an additional 100 yuan of national health supplementary medical insurance - "Liankang Insurance" every year, patients need to bear their own expenses after reimbursement by basic medical insurance, major illness insurance, medical assistance, can be reimbursed by "Liankang Insurance" up to 80%. And the reimbursement amount is not capped. The reporter learned that since the launch of "Liankang Insurance" on June 18, it has been widely concerned by the general public, and the number of insured people in the county has exceeded 130,000.
What is "Lian Kang Bao"? The first is public welfare
As a supplementary medical insurance specially customized for Lianshui people, "Liankang Insurance" is not limited to medical history, self-payment can be reported, and there is no cap, which has positive significance for maintaining the health of the masses, solving the problem of "urgency, difficulty and anxiety" of the masses, and promoting the development of medical security. According to Ma Rong, deputy governor of Lianshui County Government, although the underwriter of Liankang Insurance is a commercial insurance company, it will adhere to government guidance and public welfare operation in the actual operation process.
According to Deputy County Governor Ma Rong, at present, although the proportion of hospitalization expenses paid by urban workers and urban and rural residents within the policy scope of Lianshui County is stable at about 85% and 70%, there are still some people with serious illnesses who are overburdened with medical expenses, and even cause poverty due to illness and return to poverty due to illness. Liankang Insurance is an innovative move in the field of medical security in the county to effectively connect commercial insurance and social insurance, on the one hand, it can further reduce the burden on the masses for individuals, especially the burden of serious and extraordinarily serious diseases and medical expenses outside the directory, so that the people can afford to see the disease, and to avoid the phenomenon of "returning to poverty due to illness" and "poverty caused by illness" to the greatest extent; on the other hand, it is conducive to promoting the complementarity of supplementary medical insurance with basic medical insurance, major illness insurance, and medical assistance functions, and constantly improving the multi-level medical security system. Let the people have more sense of gain, happiness and security.
Public welfare benefit is the biggest feature of Liankang Insurance, Deputy Governor Ma Rong said that the underwriting commercial insurance institutions will strictly implement the insurance terms and responsibilities, standardize the service process, simplify the procedures, and achieve one-stop settlement and one-stop service as soon as possible, so as to take from the people, use it for the people, and pay compensation, and ensure that 95% of the project funds are used for the insured.
What are the benefits? The personal payment portion can be reimbursed up to 80%!
As a public welfare commercial supplementary medical insurance specially customized for Lianshui people, "Liankang Insurance" is closely linked with Lianshui County Medical Insurance, truly "customized", and gives the people of Lianshui County more than a "health umbrella", which has a strong inclusiveness, according to Jiang Huilin, director of lianshui County Medical Insurance Bureau, "Liankang Insurance" has the characteristics of close to the people and a wide range of protection.
There is no age, gender, occupation, or medical history restrictions on the insured persons, and urban workers, urban and rural residents who participate in the basic medical insurance of Lianshui County and the insured persons who are insured can participate in the insurance, and the premium is 100 yuan / year. The balance of the personal account of the employee medical insurance participants over the years can be used for individuals or their spouses, parents and children who have participated in the basic medical insurance of the county to purchase supplementary medical insurance for universal health. The cost of participating in the national supplementary medical insurance for all kinds of people in difficulty shall be subsidized by the county finance.
"Liankang Insurance" For those who participate in the national health supplementary medical insurance, in a designated medical institution during a participating year, reasonable medical expenses such as hospitalization, day surgery, outpatient specific diseases, approved special drugs, etc., after reimbursement by basic medical insurance, major illness insurance, and medical assistance, the minimum payment standard and payment ratio of the national health supplementary medical insurance are: medical expenses within the policy range, the minimum payment standard is 18,000 yuan, the part of the national health supplementary medical insurance is 80% The minimum payment standard for medical expenses outside the scope of the policy is 18,000 yuan, and the part of more than 18,000 yuan is 50% paid for the supplementary medical insurance for national health. Those who participate in the insurance and payment for the first time at the time of the implementation of the universal health supplementary medical insurance shall enjoy the treatment of the universal health supplementary medical insurance from January 1, 2021 (if they do not participate in the universal health supplementary medical insurance for the first time at the time of the implementation of this plan, the treatment waiting period is 6 months).
How do residents participate in the insurance? Only 100 yuan per year is required
According to reports, "Liankang Bao" relies on the "Huai'an Medical Insurance" public account in the WeChat APP to develop a special payment procedure to achieve online payment. From June 18 to July 31, eligible Lianshui insured persons can log on to the WeChat public account "Huai'an Medical Insurance" or scan the "Huai'an Medical Insurance" QR code to apply for insurance online. At the same time, all town street convenience service centers provide insurance services. Moreover, Lianshui County has completed the development of the "Liankang Insurance" settlement system, and the insured persons are treated in designated medical institutions at all levels in Huai'an City, and directly settle when discharged from the hospital and enjoy insurance protection.
The reporter learned that "Liankang Insurance" is the exclusive supplementary medical insurance for the insured personnel in Lianshui County, and non-Local Insured Persons in Lianshui Are Not Allowed to Buy, that is to say, as long as they participate in the Lianshui County Employee Medical Insurance or resident Medical Insurance, regardless of age or occupation, they can be purchased. According to Ma Rong, deputy governor of Lianshui County, the medical insurance department will further improve the medical insurance payment management system, strengthen the supervision of the medical insurance fund, eliminate excessive medical behavior, promote the effective connection and complementary functions of the national health supplementary medical insurance and basic medical insurance, major illness insurance, and medical assistance, ensure the safe and effective use of the fund, and achieve project compliance and sustainable development. The underwriting commercial insurance institutions will also give full play to the advantages of market-oriented operation, actively explore and extend the insurance service chain, provide practical value-added services for the masses, give play to social value, highlight social benefits, and truly bring the gospel to the people of Lianshui.
Yangzi Evening News/Purple Cow News Reporter Zhu Dingzhao Correspondent Sun Guozhu Yu Min
Proofread by Xu Heng
Source: Purple Cow News