On the morning of October 26th, the relevant person in charge of the Municipal Medical Insurance Bureau was a guest on the FM103.3 news comprehensive broadcast program "12345 Government Service Convenience Hotline" of Dalian News Media Group Broadcasting Center, and interacted with netizens around hot topics of medical insurance such as urban and rural residents' medical insurance participation.
1. What medical insurance benefits do urban and rural residents' medical insurance participants enjoy?
According to the unified deployment of the state, our city has established a multi-level basic medical insurance system for urban and rural residents. Residents' medical insurance participants enjoy the dual protection benefits of residents' basic medical insurance and residents' critical illness insurance, and the needy groups can also enjoy the "bottom-up" guarantee of medical assistance.
The medical expenses incurred by insured persons within the scope of medical insurance policies in designated medical institutions shall first be reimbursed in proportion by the basic medical insurance for urban and rural residents. If the annual cumulative medical expenses paid by the individual reach the critical illness insurance deductible (22,800 yuan in 2024), the excess will be reimbursed proportionally by the critical illness insurance for urban and rural residents. After participating in the basic medical insurance for urban and rural residents, you can additionally qualify for critical illness insurance for urban and rural residents without paying additional fees.
In addition, the needy groups such as subsistence allowances, destitute people, orphans and marginal family members of subsistence allowances will also enjoy the superimposed reimbursement of medical assistance after two layers of guarantee.
Urban and rural residents' medical insurance adopts a prepayment system, and the next year's premium is paid during the centralized payment period every year. In 2025, the centralized payment period of medical insurance for urban and rural residents in our city has begun, and the processing time is until December 25th. Residents and friends are requested to participate in the insurance and pay in time.
(Publish the official account chat dialog box in Dalian and send "Medical Insurance", and you can view the payment method of medical insurance for urban and rural residents in Dalian in 2025)
2. Can retired employees in Dalian who live in other places still enjoy outpatient treatment for chronic and special diseases?
At present, if the insured persons in our city have completed the identification of outpatient chronic and special diseases and handled the filing of resettlement in different places, all outpatient chronic and special diseases can be directly settled by card in medical institutions that support the settlement of medical treatment in different places in the province.
Malignant tumors (radiotherapy and chemotherapy), dialysis, organ transplantation and anti-rejection treatment in outpatient chronic and special diseases have been opened for direct card settlement for medical treatment in different places across the country. The above three outpatient chronic and special diseases have been identified, and medical institutions that can support the settlement of medical treatment in different places across the country can directly hold cards for settlement.
Outpatient chronic and special disease expenses that have not been paid in cash advance for online settlement can be reimbursed by uploading materials through the function point of "Dalian Medical Insurance Bureau" WeChat official account "Reimbursement Declaration for Medical Treatment in Different Places".
3. If you come to work in Dalian from other places, how can you transfer your previous medical insurance relationship in other places?
Insured persons who normally participate in the insurance and pay medical insurance in our city can download the National Medical Insurance Service Platform APP or pay attention to WeChat official account "Dalian Medical Insurance Bureau". After certification, they can apply by themselves through the function of "Medical Insurance Relationship Transfer", and the staff will receive the payment period after online examination and approval. If it needs to be transferred to the account balance, it will be included in the balance of the medical insurance account after the corresponding accurate amount is transferred to the original insured place.
For areas that cannot be transferred out online due to special circumstances, a contact letter can be mailed to the original insured place offline. After receiving the change information form mailed by the original insured place, Dalian Medical Insurance Center confirms that the transfer information is correct and enters the medical insurance payment record. The insured person needs to go to each medical insurance office to go through the relevant formalities.
4. Do newly employed college students need to convert student medical insurance into employee medical insurance?
College students and other groups who participate in the medical insurance for urban and rural residents in our city, who participate in the medical insurance for employees with their units after employment in our city, should suspend the medical insurance for urban and rural residents, and then register for the medical insurance for employees through their units.
How to suspend insurance:
Those who participate in medical insurance for college students in other places need to contact the medical insurance agency in the insured place to suspend their insurance.
Online participation in college students' medical insurance in our city can be handled through the function of WeChat official account "Dalian Medical Insurance Bureau"-"Suspension of Insurance Participation", and offline it can be handled at medical insurance offices in various districts.
