Serious illness is a problem that every family cares about. The cost of treatment is expensive, the healing time is long, and even threatens the life of the patient, which brings a burden to life. The introduction of major illness insurance brings hope to patients. As a nationwide initiative to implement a major illness insurance system covering all urban and rural residents and urban workers, Qinghai Province has some bright spots in implementation and what are the real benefits for the people? Recently, the reporter went to Qinghai Province with the National Health Commission and conducted on-the-spot visits to the implementation of major illness insurance.
Exploring the business insurance agency to conduct open bidding for the society
" Clinic illness insurance is the cost of hospitalization for seriously ill patients. On the basis of basic medical insurance, further reimbursement for high medical expenses is not made, and it is not differentiated by disease and disease." Guo Guangxia, director of the Medical and Health Department of Qinghai Province, said that the system Since its inception, it has paid 692 million yuan in medical insurance for major illnesses for 167,000 patients. It effectively alleviates the burden of medical expenses for patients with major diseases and the phenomenon of poverty due to illness and returning to poverty due to illness.
It is understood that since December 2012, Qinghai Province has implemented a major illness insurance system covering urban workers and urban and rural residents in the province. There is no disease restriction, and the fundraising standard is 50 yuan per capita. The required funds are from urban workers' medical insurance and urban and rural residents' medical insurance pooling fund. Or spending in the surplus fund does not increase the economic burden of the masses. Guo Guangxia said that by exploring the commercial insurance institutions to handle the major medical insurance, the company introduced the China Life Insurance Co., Ltd. Qinghai Branch and the People's Insurance Company of China to undertake the major illness insurance business of 8 cities and states. The three-year service agreement and the annual insurance contract were signed, and the service expenses for the contract period were all included in the provincial budget and collected by the government. Strengthen daily spot checks, quarterly verifications, annual inspections and assessments, and increase penalties for violations of various types of medical institutions and commercial insurance institutions to ensure the smooth operation of the medical insurance system for major illnesses. The new round of service contract for 2016-2018 was signed at the beginning of the year.
In the case of compliance fees for urban and rural residents, the self-funded portion of more than 5,000 yuan can enter the major illness insurance.
The major illness insurance benefits for employees and urban and rural residents are different, and the proportion of reimbursement for different levels of hospitals is also different. Yang Xiaoqing, deputy director of the Social Insurance Administration of Xining City, said that with the transfer of the management functions of the new rural cooperative medical system, according to the documents of the Provincial People's Social Security Office, the urban workers' medical insurance, urban residents' medical insurance, and the new rural cooperative medicines catalogue were integrated, and workers' medical insurance and The medical insurance for urban and rural residents uses a unified medical insurance drug list.
The specific medical insurance benefits are as follows:
Hospitalization of basic medical insurance for employees:
The major illness insurance is in accordance with the provincial documents. After the annual medical expenses for the insured personnel are reimbursed according to the current basic medical insurance policy, the self-funded portion of the individual hospitalization expenses is more than 7,000 yuan, and the second reimbursement is made according to the 85% reimbursement rate. The social security department is responsible for handling.
Hospitalization of basic medical insurance for urban and rural residents:
Herb extract we mainly supply are monk fruit extract, shiitake mushroom extract, reshi mushroom extract and other mushroom extract like lion`s mane extract. The main active ingredient among those powders are polysaccharides, beta glucan and so on. And monk fruit extract is one of our hot selling natural sweetener which can be added in very wide range of food and beverage. Unlike sugar, it is a kind of non- nutritive sweetener which is low in calories and high in sweetness, welcome to reach us for more information.
Herb Extract,Reishi Mushroom Extract,Mushroom Extract,Shiitake Mushroom Extract
YT(Xi'an) Biochem Co., Ltd. , https://www.ytnutra.com