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<h4 class="sub"></h4> <div id="momkmo800okk" class="author cf"></div> <div id="momkmo800okk" class="channel cf"> <div id="momkmo800okk" class="col-1-1 fl"> 2022年12月09日15:37 | 來(lái)源：<a href="http://aftabkazi.com/" target="_blank">人民網(wǎng)－黑龍江頻道</a> </div> <div id="momkmo800okk" class="col-1-2 fr"> <span id="momkmo800okk" class="rm_type"><img src="/img/2020wbc/imgs/icon_type.png" alt=""><i>小字號(hào)</i></span> </div> </div> <div id="momkmo800okk" class="rm_txt_con cf"> <div id="momkmo800okk" class="bza"><span></span><p></p></div> <div id="momkmo800okk" class="box_pic"></div> <p style="text-indent: 2em;"><strong> </strong>很多朋友在參?！褒埥菝癖！睍r(shí)，看不懂“醫(yī)保個(gè)賬”“免賠額”“一站式”“賠付比例”等詞匯到底是啥意思，今天我們就用“大白話”詳細(xì)講一講，讓您明明白白參?！褒埥菝癖！?。</p> <p style="text-indent: 2em;"><strong>什么是“醫(yī)保個(gè)賬”？</strong></p> <p style="text-indent: 2em;"><strong>專業(yè)釋義：</strong>基本醫(yī)療保險(xiǎn)個(gè)人賬戶，指醫(yī)療保險(xiǎn)機(jī)構(gòu)為參加基本醫(yī)療保險(xiǎn)的個(gè)人設(shè)立的，用于記錄本人醫(yī)療保險(xiǎn)籌資和償付本人醫(yī)療費(fèi)用的專用基金賬戶。</p> <p style="text-indent: 2em;"><strong>大白話：</strong>職工醫(yī)保的醫(yī)?？ɡ锩總€(gè)月交的錢。</p> <p style="text-indent: 2em;"><strong>小tips：</strong>“龍江惠民?！敝С轴t(yī)保個(gè)賬參保，且可以為同是黑龍江省內(nèi)基本醫(yī)保參保人的家人繳費(fèi)。</p> <p style="text-indent: 2em;"><strong>什么是“免賠額”？</strong></p> <p style="text-indent: 2em;"><strong>專業(yè)釋義：</strong>指保險(xiǎn)人和被保險(xiǎn)人事先約定，在規(guī)定數(shù)額之內(nèi)，被保險(xiǎn)人自行承擔(dān)損失，保險(xiǎn)人不負(fù)責(zé)賠償?shù)念~度。</p> <p style="text-indent: 2em;"><strong>大白話：</strong>還沒(méi)有達(dá)到理賠門檻，需要自己掏腰包的金額。</p> <p style="text-indent: 2em;"><strong>小tips：</strong>免賠額的存在降低了參保門檻和保費(fèi)，是為了可以惠及更多人?！褒埥菝癖！钡母黜?xiàng)保險(xiǎn)責(zé)任免賠額為年度累計(jì)免賠額。</p> <p style="text-indent: 2em;"><strong>什么是“一站式”？</strong></p> <p style="text-indent: 2em;"><strong> 專業(yè)釋義：</strong>“一站式”結(jié)算即在黑龍江省內(nèi)基本醫(yī)保定點(diǎn)醫(yī)療機(jī)構(gòu)直接結(jié)算。只要是滿足“一站式”結(jié)算情形且符合理賠條件的住院醫(yī)療費(fèi)用，可與基本醫(yī)保、大病保險(xiǎn)、醫(yī)療救助等同步“一站式”結(jié)算理賠。</p> <p style="text-indent: 2em;"><strong>大白話：</strong>滿足條件報(bào)銷條件的時(shí)候，出院結(jié)算時(shí)就自動(dòng)報(bào)銷了。</p> <p style="text-indent: 2em;"><strong>小tips：</strong>“一站式”結(jié)算方便快捷，無(wú)需報(bào)案，無(wú)需提交資料，無(wú)需等待審批，出院時(shí)在窗口就能解決。</p> <p style="text-indent: 2em;"><strong>什么是“賠付比例”？</strong></p> <p style="text-indent: 2em;"><strong>專業(yè)釋義：</strong>賠付比例一般是指比例賠付。比例賠付是保險(xiǎn)公司不是按照實(shí)際花費(fèi)全額承擔(dān)賠償責(zé)任，而是按照約定的比例乘以符合保障范圍內(nèi)的花銷。</p> <p style="text-indent: 2em;"><strong>大白話：</strong>在能報(bào)銷的范圍內(nèi)，按照比例賠付。</p> <p style="text-indent: 2em;"><strong>小tips：</strong>“龍江惠民?！北Ｕ先?，覆蓋基本醫(yī)保目錄內(nèi)外和特定藥械保障，其報(bào)銷比例較高。</p> <p style="text-indent: 2em;"><strong>什么是“保額”？</strong></p> <p style="text-indent: 2em;"><strong>專業(yè)釋義：</strong>保險(xiǎn)人承擔(dān)賠償或給付保險(xiǎn)金責(zé)任的最高限額。</p> <p style="text-indent: 2em;"><strong>大白話：</strong>最多能給你賠的錢。</p> <p style="text-indent: 2em;"><strong>小tips：</strong>“龍江惠民保”普惠款99元/人/年，享最高300萬(wàn)醫(yī)療保障；升級(jí)版150元/人/年，享最高400萬(wàn)醫(yī)療保障。</p> <p style="text-indent: 2em;">“龍江惠民保”是黑龍江省針對(duì)基本醫(yī)保用戶推出的惠民型健康險(xiǎn)，投保日期于12月20日截止。不限年齡、不限職業(yè)、不限戶籍、不限健康狀況，價(jià)格普惠，保障全年。只要有黑龍江省內(nèi)基本醫(yī)保就可以保，可使用醫(yī)保個(gè)人賬戶余額為自己及家人購(gòu)買。</p> <p style="text-indent: 2em;">截至12月8日，“龍江惠民保”參保人數(shù)已超過(guò)370萬(wàn)！微信搜索公眾號(hào)“龍江惠民保”即可參保，事關(guān)您和家人一整年的保障，千萬(wàn)不要錯(cuò)過(guò)。</p> <p style="text-align: center;">“龍江惠民?！备黜?xiàng)保障責(zé)任的免賠額、報(bào)銷比例和保障額度</p> <p style="text-align: center;"><img src="/NMediaFile/2022/1209/LOCAL16705712635011LXN73XAVS.png" alt="微信圖片_20221209101854" /></p> <p style="text-align: center;">掃描識(shí)別二維碼，立即參保</p> <p style="text-align: center;"><img src="/NMediaFile/2022/1209/LOCAL1670571263538ORIAL6ET62.jpg" alt="123" width="300" /></p><div id="momkmo800okk" class="zdfy clearfix"></div><center><table border="0" align="center" width="40%"><tr></tr></table></center> <div id="momkmo800okk" class="box_pic"></div> <div id="momkmo800okk" class="edit cf">(責(zé)編：鄒慧、李忠雙)</div> <p class="paper_num"><em 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