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class="pre"></h3> <h1 id="newstit">哪些人群適合購(gòu)買(mǎi)？報(bào)銷(xiāo)理賠方便嗎？黑龍江省醫(yī)保局副局長(zhǎng)劉萬(wàn)龍解讀“龍江惠民?！?/h1> <h4 class="sub"></h4> <div id="5hfdhhfdh" class="author cf"></div> <div id="5hfdhhfdh" class="channel cf"> <div id="5hfdhhfdh" class="col-1-1 fl"> 2022年10月28日08:00 | 來(lái)源：<a href="http://aftabkazi.com/" target="_blank">人民網(wǎng)－黑龍江頻道</a> </div> <div id="5hfdhhfdh" class="col-1-2 fr"> <span id="5hfdhhfdh" class="rm_type"><img src="/img/2020wbc/imgs/icon_type.png" alt=""><i>小字號(hào)</i></span> </div> </div> <div id="5hfdhhfdh" class="rm_txt_con cf"> <div id="5hfdhhfdh" class="bza"><span></span><p></p></div> <div id="5hfdhhfdh" class="box_pic"></div> <p style="text-align: center;"> <script src="http://tv.people.com.cn/img/player/v.js"></script> <script>showPlayer({id:"/pvservice/xml/2022/10/27/6afd23fb-68a4-4552-a312-942eced20080.xml",width:640,height:360});</script> </p> <p style="text-indent: 2em;">人民網(wǎng)哈爾濱10月28日電（韓婷澎）2022年9月20日，黑龍江省基本醫(yī)保參保人專(zhuān)屬的惠民保障“龍江惠民?！痹谌》秶鷥?nèi)同步上線(xiàn)，發(fā)售以來(lái)，銷(xiāo)售一直火爆?！褒埥菝癖！焙迷谀膬?？報(bào)銷(xiāo)理賠方便嗎？有過(guò)重大病癥的人能買(mǎi)嗎……近日，黑龍江省醫(yī)療保障局黨組成員、副局長(zhǎng)劉萬(wàn)龍接受人民網(wǎng)黑龍江頻道專(zhuān)訪時(shí)解答了這些疑問(wèn)。</p> <p style="text-indent: 2em;">劉萬(wàn)龍介紹，“龍江惠民?！笔呛邶埥⊥瞥龅牡谝豢钊⌒曰菝裥蜕虡I(yè)健康保險(xiǎn)產(chǎn)品，最大特點(diǎn)是“普惠利民”。政府部門(mén)給予了積極的政策指導(dǎo)和服務(wù)支持，并嚴(yán)格接受政府相關(guān)部門(mén)監(jiān)管。</p> <p style="text-indent: 2em;">“大家盡可放心購(gòu)買(mǎi)，如在理賠報(bào)銷(xiāo)時(shí)，感到合法權(quán)益受到侵害，可隨時(shí)向銀保監(jiān)部門(mén)和我們進(jìn)行舉報(bào)和投訴。”劉萬(wàn)龍說(shuō)。</p> <p style="text-indent: 2em;">關(guān)于“龍江惠民保”參保人是否能續(xù)保的情況，劉萬(wàn)龍說(shuō)，“龍江惠民?！蹦苡行p輕投保人醫(yī)療費(fèi)用負(fù)擔(dān)，較好滿(mǎn)足群眾多樣化保障需求，是多層次醫(yī)療保障體系重要組成部分，有很大的市場(chǎng)需求和發(fā)展前景。只要廣大群眾有參保意愿、有續(xù)保需要，“龍江惠民?！本蜁?huì)持續(xù)辦下去，而且會(huì)越辦越好。</p> <p style="text-indent: 2em;">保險(xiǎn)理賠是否快速便捷，是很多參保人所關(guān)心關(guān)注的問(wèn)題。劉萬(wàn)龍說(shuō)，醫(yī)療保障部門(mén)非常支持“龍江惠民?！钡陌l(fā)展，不但在政策上允許職工醫(yī)保的參保人可使用個(gè)人賬戶(hù)資金為本人及直系親屬購(gòu)買(mǎi)，而且還為“龍江惠民?！遍_(kāi)通了“一站式”“一單制”結(jié)算，在省內(nèi)各個(gè)醫(yī)保定點(diǎn)醫(yī)院住院，投保人無(wú)需另行提供材料，無(wú)需報(bào)案，就可在基本醫(yī)保報(bào)銷(xiāo)后直接結(jié)算，減少了參保群眾跑腿墊資負(fù)擔(dān)。</p> <p style="text-indent: 2em;">“如在省外就醫(yī)，出院后，可直接到基本醫(yī)保參保地的醫(yī)保經(jīng)辦服務(wù)大廳，辦理報(bào)銷(xiāo)理賠事宜，也無(wú)需到商業(yè)保險(xiǎn)公司辦理報(bào)銷(xiāo)理賠?！眲⑷f(wàn)龍說(shuō)。</p> <p style="text-indent: 2em;">劉萬(wàn)龍表示，為盡可能體現(xiàn)“惠民”原則，“龍江惠民保”的投保門(mén)檻很低，不限年齡、性別、地域、既往病史等，只要是黑龍江省內(nèi)基本醫(yī)保的參保人均可投保。帶病的人，也可購(gòu)買(mǎi)，但對(duì)有以下4種疾病的人相應(yīng)降低了賠付比例：</p> <p style="text-indent: 2em;">一是腫瘤：主要是惡性腫瘤（含白血病、淋巴瘤）;</p> <p style="text-indent: 2em;">二是肝腎疾?。喊I功能不全；肝硬化、肝功能不全；</p> <p style="text-indent: 2em;">三是心腦血管及糖脂代謝類(lèi)疾病：包括缺血性心臟?。ê谛牟?、心肌梗死）、慢性心功能不全（心功能Ⅲ級(jí)及以上）；腦血管疾?。X梗死、腦出血）；Ⅲ級(jí)高血壓??；糖尿病且伴有并發(fā)癥，指胰島素依賴(lài)型糖尿?。á裥吞悄虿。┗颌蛐吞悄虿?，且伴有局部并發(fā)癥（含心臟、腎臟、腦血管、視網(wǎng)膜、周?chē)懿∽儯?</p> <p style="text-indent: 2em;">四是肺部疾?。喊宰枞苑尾?、慢性呼吸衰竭。</p> <p style="text-indent: 2em;">劉萬(wàn)龍說(shuō)，“龍江惠民?！笔且豢罘浅?shí)惠的產(chǎn)品，我們應(yīng)為自己、為家人再添一份可靠的健康保障，也為他人、為社會(huì)獻(xiàn)上一份愛(ài)心、盡一份責(zé)任。</p><div id="5hfdhhfdh" class="zdfy clearfix"></div><center><table border="0" align="center" width="40%"><tr></tr></table></center> <div id="5hfdhhfdh" class="box_pic"></div> <div id="5hfdhhfdh" class="edit cf">(責(zé)編：于洋、李忠雙)</div> <p class="paper_num"><em class="section-common-share-wrap">分享讓更多人看到 <i class="btn_share_common"><img src="/img/2020wbc/imgs/share.png" alt=""></i> </em></p> </div> <div id="5hfdhhfdh" class="rm_relevant rm_recommend cf"> <h5><span></span>推薦閱讀</h5><dl class="cf"> <dt><a href='/n2/2022/0923/c220005-40136684.html' target=_blank>黑龍江：老工業(yè)基地勇闖振興新路</a></dt> <dd>　　<a 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