In 2022, good news for retiree health care, big changes for bank withdrawals over 50,000?

2022-07-20 0 By

For the majority of retirees, the reimbursement of medical insurance is a big deal, because old people, the frequency of medical treatment will increase, if the cost of medical treatment can be reduced, it is to solve the problem of retirees in the medical care.In 2022, retirees will see good news on health insurance reimbursement, mainly in the following three areas.First, it is more convenient to seek medical treatment in other provinces.By the end of 2022, China will ensure that every county has at least one medical institution that can settle expenses across provinces, including outpatient fees, according to a work report by relevant departments.After 2022, many provinces will carry out the process of cross-provincial out-of-place settlement of outpatient expenses. For example, Guangdong comprehensively carried out the reform of cross-city direct settlement of inpatient medical expenses from January 2022, and made it clear that the direct settlement of maternity insurance can also be carried out in different places.From now on, cross-province different medical treatment is more convenient, the retiree who lives in a small city, want to go to a big city for medical treatment, also need not worry about the cost can not be reimbursed, need not hold a pile of data to go back and forth between the two places to reimburse.Second, in the amount of reimbursement, to retirees tilt.In charge of be in hospital to submit an expense account respect, the proportion that submit an expense account of general retiree is in 90% above, and the proportion that submit an expense account of the worker is in 80% or so, on charge submit an expense account, reflected the principle that inclines to retiree and advanced age personnel.Take Beijing’s worker medical insurance as an example, outpatient service kind of on-the-job personnel starting to pay the line is 1800 yuan, retirees starting to pay the line is 1300 yuan.In Chongqing, the reimbursement rate for hospitalization under the medical insurance for employees is between 85% and 90%, while the reimbursement rate for retirees is around 95%.Starting from 2022, many provinces will carry out the reform of mutual aid for medical insurance for employees, and the reimbursement of medical expenses will also be given to retirees.For example, the amount of outpatient service that hainan sets retiree can reimburse is 2000 yuan, and on-the-job personnel is 1500 yuan.For the retirees, this is really a good news, because with the increasing number of retirees, endowment pressure is increasing, and when the outpatient service into the scope of insurance reimbursement, retirees and reimbursement ratio is higher than on-the-job personnel, can reduce the burden of retirees, also reflected the country for retired people care, after all, the old man was too old,The number of illnesses will also increase.Thirdly, outpatient fees can be reimbursed.According to a document issued by the state Administration of Medical Insurance, the reform of outpatient mutual assistance for employee medical insurance will be carried out on a large scale in 2022.In Shaanxi province, for example, all the basic medical insurance premiums paid by employers will be included in the pooling fund, and the treatment payment of employee medical insurance will be appropriately tilted to retirees. By the end of 2022, a pooling system of general outpatient clinics for employee medical insurance will be fully established.In the new round of medical insurance reform, the proportion of general outpatient expenses can be reimbursed is not low, at least 50%.This is also good news for the majority of retirees. Many young elderly people are not hospitalized frequently, but outpatient chronic diseases are still very common. However, it should be noted that different levels of hospitals have different reimbursement rates.For example, the regulation of Hainan province is that in township health centers, the annual minimum payment standard is 10 yuan, and the reimbursement rate is 70%.The reimbursement rate for tertiary medical institutions is 50%.If you are a retiree in Hainan and you go to a tertiary medical institution in Hainan and the outpatient fee is 100 yuan, you may be reimbursed 50 yuan.In addition to medical insurance has new rules, retirees also need to pay attention to a thing is, from March 1, the bank deposit and withdrawal of more than 50,000 yuan, also have big changes!Need to register the source or use of funds.On January 26, the central bank and other three departments jointly issued the measures (document below), which specifies that commercial banks, rural credit cooperatives, rural banks in the financial institutions of 50,000 yuan or more cash withdrawals, must verify their identity, and register the source or use of funds.Simple understanding, you deposit more than 50,000 yuan in the bank need to register the source of funds, withdraw more than 50,000 yuan to register purposes.It is important to note that if you have legitimate sources and uses of your funds, such as salary or pension income and serious illness treatment, you only need to register the funds and do not need to divide them into several small funds.The purpose of doing so is mainly to prevent and control financial risks and curb money laundering, which has little impact on ordinary people.At the same time, the regulation is aimed at the bank counter cash access business, bank transfer is not involved, if you think the bank to withdraw money trouble, also can transfer, but now the network transfer also with more strict, not only need to phone verification code, some Banks still need to brush a face real-name authentication, believe that more and more Banks will do due diligence,The depositing and withdrawal of funds will be more standardized, which is also to protect the security of the country’s property.