How to solve the problem of medical expenses if people with local jobs and foreign residents cannot

Working locally but because of the non-local household registration can not do medical insurance in this situation has been very rare, because the current medical insurance and social security can be transferred throughout the country, so under normal circumstances, this problem no longer exists, if because of other problems can not do medical insurance, you can take the designated hospital or commercial medical insurance to solve the problem of medical expenses.

1. Seek medical treatment in designated hospitals

In real life, many people have the phenomenon of local work and foreign insurance, which is caused by the difference between the location of the unit and the actual place of work, and it is actually very simple to solve this problem, as long as you participate in the insurance normally, you can choose these designated medical institutions according to the list of medical units announced by the social security department, so that you can solve the problem of medical expenses. Of course, before seeking medical treatment, many regions need to declare and file with the social security department in advance so that they can be reimbursed.

2. Purchase commercial medical insurance

Commercial medical insurance is also a kind of insurance that people often come into contact with, it can make up for the lack of social security, and many commercial medical insurance for drugs outside the social security catalog can be reimbursed, so buying commercial medical insurance is also a good way to solve medical expenses.

3. Transfer social security to the place of work

At present, social security can be transferred nationwide, if conditions permit, the social security transfer to the place of work is also the easiest way, after the transfer to the place of work, you can easily seek medical treatment in the place of insurance, enjoy the relevant medical treatment. Of course, with the networking of social security across the country, the problem of using social security cards for medical treatment in other places will gradually be solved, but at present, it is also a good choice to transfer the place of insurance.

In order to make medical treatment more convenient, it is recommended to consult the social security management agencies of the two places, especially the relevant policies for medical treatment in other places, and go through the relevant filing procedures, so that you can conveniently seek medical treatment in other places and solve the problem of medical expenses. With the gradual networking of national social security, it will also be possible for the system to automatically settle related expenses for medical treatment in other places.

People who work locally, but are registered in other places, cannot apply for medical insurance, so they have to go to their hometown for medical treatment, so as to solve the problem of medical expenses and go to their hometown to apply for medical insurance.

Now Alipay and WeChat and other big platforms have launched insurance projects such as million medical insurance, which is the same as the content covered by medical insurance. People who do not have a local job or a foreign hukou may wish to take precautions to learn about this insurance program.

Then you have to use your own medical insurance to solve the problem and see if you can get help. It's like I also have a medical insurance book, and I can still use it when I need it, which is a particularly good practice.

This kind of company will usually help employees buy social insurance, or something that can replace medical insurance, so that they can reimburse part of the medical expenses when they are sick.

Yes, they need to have a labor contract or temporary residence permit, they need to meet different requirements when purchasing employee medical insurance and domestic medical insurance, in addition, these people with foreign hukou can also buy commercial medical insurance locally, which is not a specific requirement, as long as their physical condition can meet the requirements can be purchased directly.

Requirements for purchasing employee medical insurance

Foreign residents can buy medical insurance locally, if they want to buy local employee medical insurance, they need to meet certain requirements, to sign a labor and employment contract with the relevant local enterprises, and the company he is employed for them to handle the social security account and open their own social security account, then these foreign residents can buy medical insurance locally, but most of the employee medical insurance they buy through the unit or company collective purchase, If you leave this unit and still live in the local area, you can also keep your labor and employment contract and file relationship in the local labor and employment center, and you can continue to pay your own fees.

Requirements for purchasing domestic health insurance

Foreign residents can buy domestic medical insurance locally, the requirements of this medical insurance are relatively less, as long as the resident of the foreign household registration has a fixed residence and a legal temporary residence certificate, you can directly buy domestic medical insurance in his temporary residence, and you can also see a doctor directly with local residents after illness**, and the reimbursement ratio is the same as that of local residents. As long as you have a temporary residence permit and go to the medical insurance center there with a temporary residence permit, you can complete the payment on your mobile phone and complete the medical insurance certification and reimbursement when you go to the medical insurance card.

Requirements for purchasing commercial medical insurance

Foreign residents can also buy commercial medical insurance in the local area, the requirements of this medical insurance are relatively relaxed, he has no clear requirements for the identity and proof of residence of foreign residents, as long as the residents of the foreign household registration are in good physical condition, can meet the requirements of the commercial insurance company for the body of the policyholder, you can buy the commercial medical insurance you need, after being hospitalized in illness, you can directly initiate a claim with the insurance company, and you can get the corresponding amount of insurance. It has nothing to do with the location of the policyholder's account.

Answer, if your hukou is a foreign hukou, but now you are working in this place, or living in this place for a long time, then you can actually buy medical insurance locally, but you must have a labor contract, or a temporary residence permit in this place. The requirements to be met when you buy medical insurance and domestic medical insurance are also different, and some people with foreign hukou can also buy commercial medical insurance locally, and commercial medical insurance has no specific requirements for everyone's hukou. It is just necessary to meet the relevant regulations of commercial medical insurance, and generally speaking, as long as the physical condition meets the conditions, you can buy this insurance.

If you are working locally, then you can use your foreign account to buy medical insurance locally, if you want to buy local employee medical insurance, you must meet the relevant conditions, if you have signed a labor and employment contract with the company, then you must submit this contract, and then let the company open a separate account for you. Everyone can buy through this account, and of course you can also ask the company to buy it for you collectively.

Yes, first of all, you must have a stable job in the local area, you must have a stable economic income, and then you can apply for insurance in the local social security institution, and then you also need to submit your ID card and copy.

Foreign residents can also purchase this medical insurance in the region, but there are some requirements that must be paid attention to when purchasing medical insurance. For example, you must live in the local area for a long time, and you must have a series of proofs such as a temporary residence permit.

Of course, you can buy local medical insurance, and you can directly use your ID card to apply for it when you buy it. And the required requirement is that it is indeed Chinese, and it can be handled.

1. Generally, foreign households cannot pay social security locally in the name of individuals;

2. Outsiders can join the local company and pay social security in the name of the company;

3. If you are a freelancer and have not joined the company to work, you can find the social security payment company and ask them to help you pay social security.

5. Pay the fee according to your own salary, if your salary is lower than the local minimum base, then pay according to the local minimum payment standard, if the salary is higher than the minimum base, then pay according to your actual salary, social security includes the company to pay you part and their own part of the payment of 2 parts, the company's payment ratio is: local social security base *, the proportion of their own payment is: local social security minimum base * 19%.

6. If you need to change the place of work in the later stage, then you need to transfer the social security together, and you only need to go to the local place where you are paying the social security to go through a social security transfer procedure, and directly transfer it to your current place of work or directly transfer it back to the place of household registration.

1. What information should be brought when medical insurance is reimbursed?

1. Original ID card or social security card;

2. The original certificate of disease diagnosis issued by the specialist doctor of the designated medical institution;

3. Original medical information such as outpatient medical records, examinations, and test result reports;

4. The original receipt of outpatient charges of the unified financial and taxation medical institutions;

5. The detailed list of outpatient expenses printed by the hospital computer or the original payment prescription issued by the doctor;

6. Designated pharmacies: the original uniform invoice for the sale of tax commodities and the computer printed list;

7. If it is handled on behalf of the agent, the original ID card of the agent needs to be provided. Bring all the above information to the relevant departments of the local social security center to apply for processing, and after review, the information is complete and meets the requirements, you can handle it immediately. When the applicant applies for reimbursement of outpatient medical expenses, the amount transferred to the personal account of medical insurance in the current social security year shall be deducted first, and then the reimbursement amount shall be approved.

2. How to reimburse medical insurance 1. When you are admitted or discharged, you must go to the medical insurance management window of each designated medical institution with your medical insurance IC card to go through the registration procedures for admission and discharge. When hospitalized, the individual pays the deposit of medical expenses in advance, and pays the more and less after being discharged from the hospital. Medical expenses incurred before the hospitalization registration procedures are not included in the scope of basic medical insurance payment.

If you fail to go through the hospitalization registration procedures in time due to emergency hospitalization, you should go to the medical insurance management window to make up the hospitalization procedures with the emergency certificate on the next day after admission.

2. The starting line of the insured personnel after hospitalization: the starting line is different from place to place, and the standard is generally 10% of the average annual salary of the city's employees in the previous year, and the medical expenses of multiple hospitalizations are calculated cumulatively in a basic medical insurance settlement year.

3. The insured person is due to illness.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the payment of the employer and the individual, the establishment of medical insurance**, the insured personnel after the medical expenses of medical treatment, by the medical insurance institutions to give them a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

The role of medical insurance is as follows:

1. It is conducive to improving labor productivity and promoting the development of production;

2. Adjust income differences and reflect social fairness;

3. An important guarantee for maintaining social stability;

4. An important means to promote social civilization and progress;

5. An important guarantee for promoting the reform of the economic system, especially the reform of state-owned enterprises.

Legal basis

Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state. Article 24: The State is to establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***. Article 25 The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over 60 years old from low-income families and minors who need to pay the part of the personal contributions will be subsidized by **.

(1) Fill in the "Record Form for Medical Treatment in Designated Medical Institutions for Insured Persons Resident Abroad and in Other Places".

2) Written application (briefly stating the reason for long-term residence).

3) Proof of long-term residence in a different place (a copy of the household registration booklet, a copy of the temporary residence permit, and one of the certificates from the local police station or community neighborhood committee or work unit of the long-term residence). Social insurance handling bodies shall obtain data needed for social insurance work through business handling, statistics, and investigations, and the relevant units and individuals shall provide them in a timely and truthful manner.

The social insurance agency shall establish archives for the employer in a timely manner, record the social insurance data such as the persons participating in the social insurance and the payment of premiums in a complete and accurate manner, and properly keep the original vouchers for registration and declaration and the accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely, and accurately record the personal rights and interests records such as the contributions made by individuals participating in social insurance, the contributions made by employers, and the enjoyment of social insurance benefits, and periodically send the individual rights and interests records to the person free of charge.

Employers and individuals may, free of charge, inquire and check the records of their contributions and social insurance benefits from the social insurance agencies, and request the social insurance agencies to provide social insurance consultation and other related services.

Legal basis: Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.