What is the proportion of the Agricultural Cooperative Office after the reimbursement of Ping An Ins

Friend, I know how to report enough. Which medical insurance do you buy at Ping An? Enjoy life A and B, mainly for those who have social security and no social security, you have social security, it should be health and enjoy life b first go to social security to report 40%, (social security needs your medical certificate) After reporting, you first give a copy of these medical struggles, and then take the copy to Ping An for reimbursement, (Ping An Healthy Life B is not the original that you don't need) You use this copy to Ping An to report 60% of the money you spent, not the remaining 60% of your social security, but 60% of the total amount you spend.

The money from social security and Ping An Bao is added together, and it is estimated that it is about the same as the money you spend! That's what the program is! Who told them to pay two insurances!

The general procedure is to report to the rural medical care first, and then to the commercial insurance company.

It is worth reminding that commercial insurance companies do not report out-of-pocket medicines, regardless of which insurance company's life insurance.

But at present, Ping An Health Insurance has a new name"Worry-free medical care"The medical insurance and self-paid drugs are also reimbursable, and it is currently the first product in the industry. Of course, the cost is also a little more expensive than general medical insurance.

It is best to report safety first, the procedures are cumbersome. After the safety report is completed, there will be a stamped endorsement for you! Then take it back and find the Agricultural Cooperative Office to report, so that you can report all the money except for self-financed medicines! (That's what I reported half a year ago.) ）

It mainly depends on what kind of medical insurance you buy, it has two types, A and B, depending on which one you buy.

The reimbursement ratio of Ping An insurance products is different, taking Ping An e-life insurance long-term medical insurance as an example

1.General medical insurance: after deducting the annual deductible of 10,000 yuan, it can be reported 100%; If you are insured as social security but have not been reimbursed by social security, you can report 60%;

Medical insurance for specific diseases: 100% after deducting the annual deductible of 10,000 yuan; If you are insured as social security but have not been reimbursed by social security, you can call for 60%;

3.Proton Heavy Ion Medical Insurance: 100% reimbursement.

Personally, I recommend that you go to the NCMS first.

Since "the people in the hospital told me, first apply for commercial insurance." The insurance company told me to report to NCMS first. "Then they can all ask for copies. It's actually okay for you to reimburse whichever one you want first, but here comes the question of how much money to be reimbursed.

Generally, the reimbursement ratio of agricultural cooperative cooperative system is fixed, 40% is 40%, 60% is 60%, and this will not change. The ratio of commercial insurance is varied. If you reimburse NCMS first and apply for insurance for the rest of the insurance, the insurance will increase the reimbursement ratio for you.

If you apply for insurance first, you may be quoted 50% of the total cost; If you apply for insurance after applying for the NCMS, the reimbursement rate is 80% of the remaining amount after the NCMS is reimbursed. (This ratio is what I said nonsense, anyway, that's what it means, you just understand).

You may not be able to see how much difference there is between the two, but you should not forget that when you are reimbursed, you must first remove the expenses that you do not reimburse! This is not the case with insurance! These expenses that are not reimbursed are all in the part of the insurance that you go to reimburse after the NCMS report.

We have examples here)

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The final payout of all insurance is not for the purpose of making a profit for the customer, and you will not be reimbursed if you have 400 yuan (and the 400 yuan will not be reimbursed in NCMS), so theoretically, the maximum total reimbursement between the two is 7,600 yuan.

In this case, NCMS should be reimbursed first, and then commercial insurance.

You have already been reimbursed for commercial insurance, and it is difficult to reimburse it in NCMS, although theoretically it can reimburse you for another 1,000 yuan.

You should first ask the claims adjuster of Ping An Insurance to see what other procedures are needed to reimburse the commercial insurance after the insurance reimbursement of NCMS, so that the reimbursement of NCMS (8000-400-600) x 25% = 1750 yuan, the maximum reimbursement in Ping An Insurance is 6000 yuan, 8000-100-400-1750 = 5750 yuan, and it does not exceed 6000 yuan, so Ping An Insurance should reimburse you another 5750 yuan, a total of 7500 yuan, This is the maximum amount that can theoretically be reimbursed.

If you have already been reimbursed in Ping An, then NCMS can only reimburse the remaining 25%.

You spent 8000, Ping An reimbursed you 6000, the remaining 2000, the starting line of NCMS is 600, then there is 1400 left, and then the proportion reimbursement is 25% multiplied by 1400, which is 350

You must have made a mistake when you applied for insurance. If you have NCMS, you can choose paragraph B for medical reimbursement from Ping An, and all the reimbursement of more than 100 yuan after the reimbursement of NCMS is completed. Paragraph A is that there is no other insurance, and 80% of the cost of more than 100 yuan will be reimbursed.

These reimbursements are all medical expenses that are covered by the medical insurance card.

There is no proportion, because some expenses cannot be reimbursed!