Beijing's medical insurance policy has been adjusted, and everyone is most concerned about the problem in one picture →
On August 19, the Beijing Municipal Medical Insurance Bureau issued a notice:
Starting from September, individual medical insurance accounts will be used for targeted use and will no longer be available for immediate use; funds that have been credited to the medical insurance discount before September 1 can still be withdrawn normally at any time.
In 2022, the threshold for serious illness of employees will be reduced to 30,404 yuan. From next year, there will be no cap line for outpatient treatment for employees in Beijing, and 60% will be paid for outpatient (emergency) clinics above 20,000 yuan.
So, what issues should be paid attention to in the directional use of personal medical insurance accounts?
Learn about it in one article↓
01
Who can be targeted?
Shared use by family members
From December 1, 2022, spouses, parents and children who participate in the basic medical insurance of Beijing are allowed to use the funds in the personal accounts of family members to
pay for the relevant expenses incurred by themselves and the mutual aid recipients that meet the scope of the use of individual accounts, and You can use your personal account to pay for the basic medical insurance and long-term care insurance for urban and rural residents in Beijing, and purchase supplementary medical insurance in Beijing (specifically, Beijing Inclusive Health Insurance at this stage).
Q. How to handle the filing of mutual aid use of individual account family members?
A.
From October 15, 2022, insured persons can apply for mutual aid use filing through the Beijing Medical Insurance Public Service Platform, the official website of the Beijing Municipal Medical Insurance Bureau, or the windows of agencies in various districts.
Q. What channels can be modified for the mutual aid of family members in the personal account?
A.
Mutual aid recipients can modify the order of mutual aid accounts through the medical insurance public service platform, the official website of the Beijing Municipal Medical Security Bureau, or the windows of the agencies in each district.
Q. What is the order in which family members use individual accounts for mutual aid?
A.
When the insured’s spouse, parents and children use the insured’s personal account in a designated medical institution or designated retail pharmacy, they
should use up the funds in their personal account first, and then use the funds in the personal accounts of others in the order of filing.
resettlement personnel
From September 1, 2022, the personal accounts of resettled persons in different places will be managed in the same way and with the same interest calculation method as the personal accounts of insured persons in Beijing.
Funds that are not allocated or mailed to the issuing bank account before the targeted use of the personal account are still managed in accordance with the original model.
Q. Can Beijing insured persons seeking medical treatment in other places use basic medical insurance personal accounts and mutual aid accounts to directly settle related expenses?
A.
From December 1, 2022, after the insured persons in Beijing have gone through the registration procedures for medical treatment in different places, they can use their personal accounts for direct settlement at designated medical institutions that have opened cross-provincial direct settlement-related businesses in the co-ordination area for registration in different places.
After completing the mutual aid account filing procedures, you can also use the mutual aid account for direct settlement.
Q. How to deal with the funds in the personal account of basic medical insurance when urban employees move across the overall planning area?
A.
When an incumbent who participates in the basic medical insurance for employees in Beijing handles the business of transferring the payment period and personal account funds from other provinces and cities into Beijing, the personal account funds are merged into the Beijing personal account for unified management; when handling the transfer business, the personal account Funds are transferred to the new place of participation.
02
In what situations do I need to enter a password?
No need to enter a password →
See a doctor with an electronic medical insurance certificate
Outpatient and emergency registration at designated medical institutions in Beijing
Direct settlement for medical treatment in other places
Password required →
Use a personal account to pay for medical treatment with a social security card
Before September 1, 2022, Bank of Beijing will inform the insured personnel of the initial password of the personal account through SMS. The initial password can be used without activation, and the personal account can also set a limit for password-free payment.
03
What fees can be paid with a personal account?
Personal out-of-pocket expenses incurred when purchasing medicines in the medical insurance list
Expenses borne by individuals for the purchase of drugs, medical equipment, and medical consumables not covered by the medical insurance catalog
Q. How to use the funds from the medical insurance personal account to purchase Beijing Supplementary Medical Insurance?
A.
From September 1, 2022, insured persons can use personal account funds to purchase Beijing Supplementary Medical Insurance for themselves (currently refer to the purchase of Beijing Inclusive Health Insurance); from December 1, 2022, the insured Personnel can purchase supplementary medical insurance in Beijing for their registered spouses, parents, and children (at this stage, it refers to the purchase of Beijing Inclusive Health Insurance).
When purchasing, you should ensure that your personal account is fully paid.
04
What are the changes in employee outpatient treatment?
(CCTV News Comprehensive Beijing Daily)