What are the pros and cons of canceling a health insurance account?

After the cancellation of the medical insurance account, the per capita financial subsidy for residents' medical insurance will be increased by 30 yuan, and the annual subsidy per person will not be less than 520 yuan. Hypertension and diabetes are included in the reimbursement of medical insurance, and a unified medical insurance system for urban and rural residents is fully established. Improve and standardize the policy and management of critical illness insurance.

Earnestly implement the hard task of targeted poverty alleviation in medical security. Comprehensively do on-the-spot and city-level co-ordination.

So how should medical insurance be reimbursed? Don't worry, senior sister is here to tell you!

The most complete reimbursement guide for medical insurance is here!

So what are the specific impacts of the cancellation of medical insurance personal accounts? Senior sister is here to tell everyone!

The personal (family) account of urban and rural residents' medical insurance referred to in the title is not the same concept as the medical insurance personal account as we usually understand it.

After the abolition of personal accounts, urban residents can be directly reimbursed for their use of medical treatment in outpatient clinics, while the current in-service employees and retirees who pay for urban employees' medical insurance will not be affected.

What is the "two fixed-point, three-catalog" mentioned by medical insurance? What is the reimbursement scope of Medicare? What is an Individual Account and a Pooled Account?

And after the cancellation of the medical insurance personal account, the transition from the outpatient protection of the resident medical insurance to the outpatient co-ordination can realize mutual assistance among all the insured and improve the mutual aid ability of the residents' medical insurance.

More importantly, after the cancellation of the medical insurance personal account, the outpatient minor illness medical expenses will be included in the overall payment. When you see a doctor in an outpatient clinic, the reimbursement rate is about 50%.

What is Critical Illness Medical Insurance? Is it business insurance? What diseases are included? How to handle it?

The benefits of health care account cancellation are even more obvious. For example, after the cancellation of the medical insurance personal account, the co-ordination function has become more powerful, and patients not only have fewer restrictions on the types of diseases when they seek outpatient treatment, but also through the adjustment of funds, patients no longer have to worry about the lack of money in their personal accounts.

The National Health Insurance Administration made it clear that the cancellation of personal accounts is aimed at medical insurance for urban and rural residents, and does not involve medical insurance for urban employees. The medical insurance for urban and rural residents is the integration of the original medical insurance for urban residents and the new rural cooperative medical care, and the province has also completed the integration.

China's medical insurance is composed of two parts: personal account and overall planning, of which the funds in the personal account are used to pay for small outpatient expenses with the premiums paid by the insured. In practice, it is found that personal accounts have disadvantages such as small quota, insufficient protection, poor mutual aid ability, and easy to induce abuse.

Does the cancellation of personal accounts mean that the medical insurance benefits of residents will be reduced? In this regard, the National Health Insurance Bureau explained: "After the cancellation of personal accounts, the outpatient minor illness medical expenses will be included in the scope of overall payment, and the outpatient medical expenses of common diseases and frequent diseases that occur in primary medical institutions can be reimbursed, with a proportion of about 50%; For some outpatient medical expenses for chronic diseases and special diseases that are mainly outpatient and have high costs, they are also included in the scope of overall payment, and corresponding management and payment methods are formulated with reference to hospitalization.

In other words, the medical insurance treatment will not be reduced, and some outpatient chronic diseases with higher annual costs are reimbursed together with hospitalization, and the reimbursement ratio is higher than that of outpatient treatment.

What does it mean to cancel your personal health insurance account.

At present, most of the urban and rural residents do not have a medical insurance personal account, and only a few areas of the resident medical insurance still retain the medical insurance personal (family) account, in order to realize the transition of the medical insurance personal (family) account to the outpatient co-ordination, so it is necessary to cancel the remaining medical insurance personal account.

What will be the impact of the cancellation of the personal account of the resident medical insurance?

After the cancellation of the personal account of the resident medical insurance, the insured person cannot use the balance of the medical insurance card to pay for medical expenses, nor can he use the medical insurance card to pay for drugs at pharmacies. However, this will not reduce the reimbursement treatment of resident medical insurance. After the completion of outpatient co-ordination, outpatient minor illness medical expenses will be included in the scope of payment of co-ordination**, and outpatient expenses for some common diseases and frequent diseases can be reimbursed by resident medical insurance, and the reimbursement ratio will be about 50%.

What should I do if the balance of the medical insurance personal account is cancelled.

If there is a balance in the personal medical insurance account, the personal account will not be cleared after the cancellation of the resident medical insurance personal account. It is understood that after the cancellation, the balance of the personal account will be used to offset the cost of medical insurance premiums.

That's all for the question of what does the cancellation of the medical insurance personal account mean, I hope it will help you. Although the personal account of resident medical insurance will be cancelled, the treatment of medical insurance reimbursement will not be reduced, and the treatment may even be an increase.

The cancellation of the medical insurance personal account means that your medical insurance payment will stop, if you get sick and see a doctor in the future, you will not enjoy the treatment of medical insurance, and it is best not to stop paying medical insurance for more than four months, if you pay medical insurance for more than four months, you need to start from scratch.

If the medical insurance personal account is cancelled, the insured can no longer use the balance of the medical insurance card to pay for medical expenses, nor can he use the medical insurance card to pay for drugs at the pharmacy. However, this will not reduce the reimbursement treatment of resident medical insurance. For some common diseases, outpatient expenses can be reimbursed by resident medical insurance, and the reimbursement ratio will be about 50%.

The cancellation of the medical insurance personal account will mean that people will not be able to use the medical insurance card for personal medical treatment in the future, because the medical insurance card account has been canceled, and the individual will not have a medical insurance account, so the personal reimbursement of medical insurance expenses will be reduced compared with the past.

The cancellation of the medical insurance personal account means that there is no need to pay medical insurance in the future, so there is a work unit. The employer will no longer pay you medical insurance, so you will lose a large part of your salary.

Hello! The cancellation of the medical insurance personal account refers to the cancellation of the medical insurance personal account in the medical insurance of urban and rural residents who retain the medical insurance personal account, so as to realize the transition from the medical insurance personal account to the outpatient co-ordination. After the cancellation of the medical insurance personal account, the insured person will not have the balance of the medical insurance card to pay for medical expenses, nor can he use the medical insurance card to buy drugs at the pharmacy.

However, after the completion of outpatient co-ordination, outpatient minor illness medical expenses can be paid using co-ordination**, and the scope and proportion of reimbursement will be larger.

The cancellation of personal accounts this time is mainly for residents' medical insurance, and does not include employees' medical insurance.

2. The abolition of residents' personal medical insurance accounts is mainly conducive to the protection of outpatient medical treatment and the unified system of medical insurance in the future. In fact, from hospitalization to outpatient, the beginning of the implementation of resident medical insurance is the overall planning of outpatient services, and there is no such thing as a personal account; It's just that the department's NCMS still has some personal accounts, and this time it is to be able to integrate and carry out unified supervision.

3. For some claims that canceling the named medical insurance personal account will affect the medical insurance treatment, you must not believe it. You must know that the cancellation has not changed the policy of buying drugs in pharmacies, and some non-prescription types can still be purchased directly, and prescription types still need to be purchased according to the prescription list. Not only has the medical insurance treatment not been reduced, but even the named protection ability has become more perfect, and its treatment and benefits will become better and better; Even in the reimbursement convenience will be more convenient and faster.

Urban and rural residents do not have medical insurance personal accounts, and only a few areas of resident medical insurance still retain medical insurance personal (family) accounts, in order to realize the transition from medical insurance personal (family) accounts to outpatient co-ordination

The cancellation of the personal account of medical insurance means that each of us is included in the medical insurance of the whole society, and we are no longer able to buy drugs by ourselves.

If your personal account is cancelled, you will not be able to enjoy medical insurance, which will bring you any reimbursement, so Li Da said that you have broken your foot, and your medical insurance will be zero in the future. Therefore, you can no longer enjoy the reimbursement brought by medical insurance.

According to the "Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019" issued by the National Health Insurance Administration, it is mentioned that "the implementation of individual (family) accounts will be cancelled before the end of 2020, and the transition to outpatient co-ordination will be smooth. ”

According to the Notice of the National Health Insurance Administration on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019, the personal medical insurance accounts of urban and rural residents should be cancelled by the end of 2020, and it is required that they should not be restored in disguise.

In fact, the personal accounts to be cancelled in the notice are the New Rural Cooperative Medical System and urban residents' medical insurance accounts, while the personal accounts of employees' medical insurance will not be affected. The state should concentrate all medical security expenses, increase the reimbursement ratio of medical insurance, and increase the reimbursement ratio of medical insurance for serious illnesses from a minimum of 50% to a minimum of 60%.

The personal account of the basic medical insurance for employees is guaranteed in accordance with our national social insurance law and will not be cancelled. All the part paid by the individual employees of the enterprise goes into the personal account, and the part paid by the enterprise goes into the personal account. After retirement, if the basic medical insurance payment reaches the corresponding number of years, you can continue to enjoy the basic medical insurance treatment without payment.

I think that the cancellation of the medical insurance personal account will mean that people will not be able to use the medical insurance card in the future, because the medical insurance card account has been canceled, and the individual will not have a medical insurance account, so the personal reimbursement of medical insurance expenses will be reduced compared with the past.

It means that the balance of the personal account is gone, but the overall account is fully funded, and the proportion of medical reimbursement has increased.

The cancellation of the medical insurance personal account means that the annual payment of medical insurance directly goes into the overall planning. The personal portion is returned to the individual. It is no longer used for personal medical use. When you are hospitalized, you will be reimbursed for part of your hospitalization with your medical insurance card.

The personal (family) account of urban and rural residents' medical insurance is mainly used to pay for the medical expenses incurred by the insured in the outpatient clinic, and has played a positive role in cultivating the awareness of individual insurance, promoting individual insurance payment, and rapidly expanding the coverage of insurance in the early stage of the system.

What will be the impact of the cancellation on our future health insurance benefits? The National Health Insurance Administration said that the cancellation of individual (family) accounts for urban and rural residents' medical insurance will not reduce the medical insurance benefits of residents, and by promoting outpatient co-ordination, it will improve the mutual aid ability of urban and rural residents' medical insurance and enhance the mutual aid effect. After the outpatient co-ordination, the outpatient minor illness medical expenses can be included in the overall payment scope, and the outpatient medical expenses for common diseases and frequent diseases can be reimbursed, with a proportion of about 50%.

Hello! Of course, the cancellation of personal account names means that you do not participate in the work, and you still have to cancel these accounts.

Cancellation of your personal health insurance account means that you will see a doctor again in the future. It's up to you to bear it. That part of yours. The reimbursement country will not be responsible.

It will mean that people will not be able to use their medical insurance cards for medical treatment, because the medical insurance card account has been canceled, and individuals will not have medical insurance accounts, so personal reimbursement of medical insurance expenses will be reduced compared to the past.

If your personal health insurance account is cancelled, it means that your health insurance is no longer covered. This is a serious problem. You need to pay attention.

1.Urban and rural residents only pay two or three hundred yuan a year for medical insurance, and only a few dozen yuan a year in personal accounts, so all existence is of little significance.

2.In many places, the money from the medical insurance card is used to buy daily necessities, or even cash out, so that the people's life-saving money is lost in vain, making the already tight medical insurance funds even more stretched.

3.The funds in the personal account of medical insurance have a scale of hundreds of billions, and most residents usually do not use them, and a large amount of capital precipitation causes great waste. At the beginning of the start of the medical insurance for urban and rural residents, some places set up personal accounts in order to complete the insurance rate, and the earliest urban and rural residents paid 10 yuan a year for medical insurance, and there were 10 yuan in the personal account, which was equivalent to giving free medical insurance to urban and rural residents, and it played a certain role in promoting the rapid development of urban and rural residents' medical insurance in the early years.

But up to now, the personal account is no longer suitable for the requirements of the times, the amount of the personal account is too small, the management cost is too high, and this is a waste of the first and has not played an effective role, and the state requires the cancellation of the personal account by the end of 2020.

The cancellation of personal medical insurance accounts refers to the implementation of individual (family) accounts mentioned in the Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019 issued by the National Health Insurance Administration in conjunction with the Ministry of Finance, which should be cancelled before the end of 2020 for a smooth transition to outpatient co-ordination.

Among them, the NCMS began to be implemented in 2003, when in order to improve the enthusiasm of rural residents to participate in insurance, while establishing a major illness co-ordination, a personal (family) account was established, which was mainly used to pay for small outpatient expenses. In subsequent practice, some drawbacks such as the small amount of individual (family) accounts gradually emerged.

The "Notice" requires that the implementation of individual (family) accounts should be cancelled by the end of 2020, and the transition to outpatient co-ordination should be smooth. After the promotion of outpatient co-ordination, outpatient minor illness medical expenses can be included in the scope of co-ordination** payment, and outpatient medical expenses for common diseases and frequent diseases can be reimbursed, with a proportion of about 50%.