How to apply for Zhengzhou resident medical insurance
With the continuous improvement of the medical security system, resident medical insurance has become one of the hot topics of concern to Zhengzhou citizens. This article will introduce in detail the application process, required materials, payment standards, etc. for Zhengzhou resident medical insurance to help you quickly complete the medical insurance application.
1. Conditions for applying for Zhengzhou resident medical insurance
The insured objects of Zhengzhou’s resident medical insurance mainly include the following categories:
| Insured objects | Description |
|---|---|
| Residents with registered residence in Zhengzhou City | Including urban and rural registered residents |
| Non-permanent residents with household registration in Zhengzhou City | Persons holding Zhengzhou residence permit and not participating in employee medical insurance |
| Current students | Including students in universities, middle schools and primary schools |
| newborn | Apply for insurance within 3 months after birth |
2. Materials required for Zhengzhou resident medical insurance application
| Material type | Specific requirements |
|---|---|
| Proof of identity | Original and copy of ID card |
| Household register | Original and copy (provided by registered residents) |
| residence permit | Original and copy (provided by non-registered residents) |
| student ID card | Original and copy (provided by current students) |
| birth certificate | Original and copy (provided for newborns) |
| Recent bareheaded photos | 2 1-inch color photos with white background |
3. Zhengzhou residents’ medical insurance payment standards
| Insured people | Payment standards for 2023 |
|---|---|
| adult | 350 yuan/year |
| Minors (under 18 years old) | 280 yuan/year |
| college students | 280 yuan/year |
| Minimum living allowance object | Fully funded by the government |
4. Zhengzhou Resident Medical Insurance Application Process
1.Online processing: Online insurance registration and payment through the "Zheng Hao Ban" APP or Alipay's "Yu Shi Ban" applet.
2.Offline processing:
- Bring the required materials to the community (village) neighborhood committee where your household registration is located or where your residence permit is registered.
- Or go to the service hall of each district medical insurance agency to apply
3.The school handles it uniformly: School students are uniformly organized by their schools to register for insurance and pay fees.
5. Zhengzhou residents’ enjoyment of medical insurance benefits
| Benefit items | Reimbursement ratio | Remarks |
|---|---|---|
| Outpatient Coordinator | 50%-70% | Annual limit 150 yuan |
| Hospitalization reimbursement | 60%-85% | Depends on hospital level |
| Critical illness insurance | Reimbursement by installments | Starting payment line is 11,000 yuan |
6. Precautions
1. Insurance payment time: Generally from September to December each year, medical insurance for the next year is processed centrally.
2. Newborn insurance: If applied within 3 months after birth, you can enjoy medical insurance benefits from the date of birth.
3. Receive medical insurance card: You can receive your social security card about 1 month after applying for insurance. During this period, you can seek medical treatment with your ID card.
4. Transfer of medical insurance relationship: If you switch from employee medical insurance to resident medical insurance, you must first go through the procedures for cessation of employee medical insurance.
7. Frequently Asked Questions
Q: Can non-Zhengzhou residents apply for Zhengzhou resident medical insurance?
A: Yes, you need to hold a Zhengzhou residence permit and not participate in basic medical insurance in other areas.
Q: What is the difference between resident medical insurance and employee medical insurance?
A: Resident medical insurance has low payment and relatively low level of protection; employee medical insurance is jointly paid by units and individuals, and the level of protection is relatively high.
Q: Can I still enroll in insurance if I miss the centralized payment period?
A: Yes, but you need to pay the current year’s medical premiums in full (including financial subsidies), and there is a waiting period for benefits.
Through the above detailed introduction, I believe you have a comprehensive understanding of the processing of Zhengzhou resident medical insurance. It is recommended that eligible residents go through the insurance enrollment procedures in time and enjoy basic medical protection. For more information, you can call the Zhengzhou medical insurance service hotline 12393.
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