How to designate hospitals for medical insurance: Analysis of hot topics on the Internet in the past 10 days
With the continuous improvement of medical insurance policies, how to choose a designated hospital has become a hot topic among netizens recently. This article will combine the hot topics on the Internet in the past 10 days, from policy interpretation, operating procedures to precautions, to provide you with structured data and analysis to help you quickly master the selection method of medical insurance designated hospitals.
1. Inventory of recent hot topics (data in the past 10 days)
| Topic keywords | heat index | Main discussion platform |
|---|---|---|
| Changes to designated hospitals for medical insurance | 85% | Weibo, Zhihu |
| Procedure for designated medical treatment in other places | 78% | Douyin, Bilibili |
| Restrictions on designated sites for tertiary hospitals | 65% | WeChat public account |
| Online fixed-point operation guide | 72% | Little Red Book, Toutiao |
2. Steps for selecting medical insurance designated hospitals
1.Check the list of designated hospitals: Check the medical institutions that support designated medical insurance through the official website of the local medical insurance bureau or the mini program. Some cities allow you to choose 1-3 hospitals.
2.Online/offline processing:
| Processing method | Operation path |
|---|---|
| Online processing | Medical insurance APP, Alipay/WeChat city services |
| Offline processing | Bring your social security card to the hospital medical insurance window or community service center |
3.Confirm effective time: In most areas, it will take effect the next day, and medical treatment in other places must be registered in advance.
3. Things to note (high-heat issues)
1.Change restrictions: Beijing, Shanghai and other places only allow one change per year, so you need to choose carefully.
2.Difference in reimbursement ratio: The reimbursement ratio of designated community hospitals is usually 5%-10% higher than that of tertiary hospitals.
| hospital type | average reimbursement ratio |
|---|---|
| community hospital | 85%-90% |
| Secondary hospital | 75%-80% |
| tertiary hospital | 70%-75% |
3.Emergency exception: Emergency treatment at non-designated hospitals can be reimbursed afterwards with receipts, but complete medical records must be retained.
4. Latest policy developments
According to the latest documents in October, Guangdong, Zhejiang and other provinces have piloted"Record without feeling", insured persons automatically complete medical insurance registration when visiting designated medical institutions, without additional operations. This reform is expected to be promoted nationwide in 2024.
In summary, the choice of medical insurance designated hospitals needs to be based on personal medical needs and policy changes. It is recommended to give priority to nearby community hospitals to increase the reimbursement ratio, and to pay attention to the local medical insurance public account for real-time updates. If you have any questions, you can call the 12393 national medical insurance service hotline for consultation.
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