How much does it cost to save money at Beijing Neonatal Hospital? Interpretation of the latest policies in 2024
Recently, Beijing’s newborn medical insurance policy has become a hot topic of concern to young parents. With the advancement of the three-child policy and the rise in medical expenses, issues such as the insurance amount and reimbursement ratio of newborn medical insurance have attracted much attention. This article will give you a detailed explanation of the latest policy on neonatal medical insurance in Beijing, and attach a structured data table to help you quickly understand the relevant information.
1. The cost of neonatal medical insurance in Beijing
Beijing Newborn Medical Insurance falls within the scope of basic medical insurance for urban and rural residents. The payment standards in 2024 are as follows:
| Insurance type | Payment standard (yuan/year) | Government subsidy (yuan/year) | Actual personal payment (yuan/year) |
|---|---|---|---|
| One old and one young | 375 | 145 | 230 |
| unemployed residents | 680 | 145 | 535 |
2. Newborn medical insurance reimbursement ratio
The reimbursement ratio of Beijing’s neonatal medical insurance varies according to the level of the hospital:
| hospital level | Minimum payment standard (yuan) | Reimbursement ratio | Cap line (yuan) |
|---|---|---|---|
| First class hospital | 100 | 80% | 250,000 |
| Secondary hospital | 550 | 78% | 250,000 |
| Tertiary hospital | 650 | 75% | 250,000 |
3. Newborn medical insurance enrollment time requirements
Beijing has clear time regulations for newborn insurance:
| Insurance time | Treatment and enjoyment time | Things to note |
|---|---|---|
| Within 90 days after birth | Enjoyed from the day of birth | Reimbursement of post-birth medical expenses |
| 91 days to 1 year after birth | Enjoy the next month after payment | Previous expenses cannot be reimbursed |
| over 1 year old | Insured as ordinary residents | Need to wait for the centralized insurance period |
4. Newborn medical insurance application process
1.Prepare materials: Original and copy of household register, parents’ ID card, birth certificate of newborn, 1-inch white background photo
2.Place of application：Social Security Office at the place of household registration or place of residence
3.Processing time: Available on all working days. It is recommended to avoid the peak period at the end of the month.
4.Payment method: Bank withholding, Alipay/WeChat payment, on-site payment at the social security office
5. Answers to frequently asked questions about newborn medical insurance
Q: Can newborns with overseas registered permanent residence be insured in Beijing?
A: Non-Beijing newborns whose parents hold a Beijing work and residence permit can participate in the insurance.
Q: What expenses can be reimbursed by newborn medical insurance?
A: Including hospitalization expenses, outpatient special disease expenses, emergency rescue expenses, etc.
Q: Does newborn medical insurance conflict with commercial insurance?
A: There is no conflict. You can use medical insurance to reimburse first, and then use commercial insurance to reimburse the remaining part.
6. Expert advice
1. It is recommended to apply for medical insurance as soon as possible after the birth of the newborn, preferably within 90 days.
2. Keep all medical receipts and diagnosis certificates to facilitate subsequent reimbursement.
3. You can also consider supplementing commercial medical insurance to improve the level of protection.
4. Follow the official website of Beijing Municipal Medical Insurance Bureau to keep abreast of policy changes
Conclusion:
Beijing's newborn medical insurance only requires 230 yuan per year to enjoy a high proportion of medical expense reimbursement. It is a basic guarantee that every newborn family should apply for in a timely manner. We hope that the detailed interpretation of this article can help new parents better understand relevant policies and protect the healthy growth of their babies.
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