标签归档 西安耍耍

　　Cctv newsOn January 14th, 2020, Ministry of Human Resources and Social Security held a press conference for the fourth quarter of 2019. The heads of the Employment Promotion Department, the Vocational Capacity Building Department, the Pension Insurance Department, the Labor Security Supervision Bureau and the Information Center answered questions from reporters.

　　The reporter asked, can you specifically introduce the effect of the policy of reducing social insurance rates in 2019? Are there any new measures to reduce fees in the next step?

　　Nie Mingxi, Director of the Pension Insurance Department of Ministry of Human Resources and Social Security, introduced that on April 1, 2019, after the General Office of the State Council issued the Comprehensive Plan for Reducing Social Insurance Rates, all localities actively implemented it, and the work progressed very smoothly, with obvious results, which were mainly reflected in the following four aspects:

　　First, all policies and measures have been put in place. From May 1, 2019, all the 29 provinces and Xinjiang Production and Construction Corps, as well as the basic endowment insurance units of government agencies and institutions, whose contribution rate is higher than 16%, have reduced to 16%. The provinces continued to reduce unemployment insurance rates in stages, and 26 provinces that met the conditions for reducing fees continued to reduce industrial injury insurance rates in stages. At the same time, the provinces have adjusted the payment base policy according to the actual situation, and the lower limit of the payment base has generally decreased, further reducing the payment burden of difficult enterprises and their employees, and further improving the flexibility of flexible employees in choosing the payment base.

　　Second, the annual fee reduction target was exceeded. In 2015, the total premium rate of five social insurances for employees was 41%, and then it was reduced six times. Last year, it was the largest reduction. At present, the total premium rate of five social insurances has dropped to 33.95%, of which the unit premium rate has dropped to 23.45%, and the six fee reductions have decreased by 7.05 percentage points. According to the latest statistics, in 2019, the expenses of basic old-age insurance, unemployment insurance and industrial injury insurance for enterprise employees were reduced by 425.2 billion yuan, exceeding the target of 310 billion yuan at the beginning of the year. The previous five fee reductions totaled 550 billion yuan. Together with the total fee reductions last year, social insurance fees have been reduced by nearly one trillion yuan since 2015.

　　Third, the effect of reducing the burden on enterprises is obvious. The fee reduction policy has strong inclusiveness and wide benefits, and the burden reduction effect is direct and effective. Both large and medium-sized enterprises and small and micro enterprises generally have a real sense of gain. Since the second half of last year, many media have intensively covered the feelings and effects of fee reduction at the grassroots level. Enterprises generally reported that the fee reduction policy has effectively reduced the labor cost of enterprises, and the fee reduction bonus has been transformed into the driving force for enterprise development and innovation, or into employee welfare to enhance enterprise cohesion, realize enterprise cost reduction, market vitality and employee benefits, which has been welcomed by the majority of enterprises and employees. At the same time, the social security rate is basically unified throughout the country, which has played a positive role in promoting the formation of a fair market competition environment and promoting balanced development among regions.

　　The fourth is to promote the sound development of the old-age insurance system. According to the latest monthly statistics, in 2019, the total income of enterprise basic endowment insurance fund was 3,783 billion yuan, the total expenditure was 3,463.1 billion yuan, the current balance was 319.9 billion yuan, and the accumulated balance was 5,086.9 billion yuan. It is a very gratifying situation that we can still achieve a balance of more than 300 billion yuan in the current period under the circumstances that the fee reduction has exceeded expectations and the basic pension level of retirees has been further improved. It fully shows that after the fee reduction, the threshold for participating in insurance payment has been lowered, the vitality of enterprises has been enhanced, and the enthusiasm of participating units and individuals has been improved, which has not only stabilized and promoted employment, but also achieved reasonable growth in fund income, which has promoted a virtuous circle of enterprise development and pension insurance system development. At the same time, through measures such as compacting the responsibilities of provincial governments, increasing the proportion of central fund transfers, and increasing support for provinces with special difficulties, the structural contradiction of funds between provinces has been effectively alleviated, ensuring that basic pensions are paid in full and on time.

　　In 2020, the State Council decided to reduce unemployment insurance and industrial injury insurance rates in stages for another year. It is a long-term strategic arrangement to reduce the old-age insurance rate to 16%, and Ministry of Human Resources and Social Security will further consolidate the results of the fee reduction.

　　CCTV News:"Being an official is not the master for the people, it is better to go home and sell sweet potatoes", a ballad sung by generations, is well known. Officials should be for the people, but some people are not for the people. Since the 18th National Congress of the Communist Party of China, many "big tigers" have fallen off their horses one after another, which can be described as a great joy to the people, making the people clap their hands and applaud.

　　Looking at CPC Central Commission for Discipline Inspection’s bulletin, one kind of corrupt officials is very special: some of them "transformed" into state employees by secondment and exchange; Some of them forged their identities and falsified their ages, paving the way for promotion and wealth; Some of them have upgraded their academic qualifications and squeezed into the ranks of cadres to select and promote candidates … … .

　　The activities of fake officials "behind the scenes" are gradually becoming the talk of the people after dinner.

　　The Central Leading Group for Inspection Work dug up "five fake officials"-Lu Enguang

　　jangwong lo

　　Recently, the large-scale TV feature film "Patrol Sword" has been a hit. In the second episode, there is a very interesting content about the "five fake officials" Lu Enguang being "taken down" by the inspection team. How did he make a fake for himself as an official?

　　After investigation, Lu Enguang is a "five fake cadres" who lied about his age, academic qualifications, materials for joining the Party, work experience and family situation. More than 20 years of money to clear the way and fake officials have been restored step by step.

　　From 1997 to 2003, Lu Enguang’s career developed rapidly. During this period, he changed jobs every year and was promoted to grade six in six years. From the township to the county to the province to Beijing, from the deputy department level to the bureau level, the rocket speed is backed by money.

　　At the same time, the investigation team found that Lu Enguang’s joining the Party was also faked. In 1990, the application for joining the Party included the expression of learning the spirit of Deng Xiaoping’s southern tour speech, which took place in 1992. Obviously, the materials for joining the Party were forged or supplemented.

　　After discovering this major doubt, the inspection team conducted a more detailed check on all the files of Lu Enguang and found more suspicious details.

　　Academic fraud, in fact, he only finished high school intermittently before and after, and later diplomas were all obtained by buying, sending or mixing.

　　His age was also falsified, from 1958 to 1965, and he was 7 years younger, which made him have an age advantage in previous cadre selection.

　　The family situation is also seriously falsified. He has seven children, but only two of them have been reported. The other five children have settled in other relatives’ homes through fake procedures. According to Lu Enguang himself, "children are not allowed to call their father at home, but their uncle. He is afraid that the children will go out and shout away."

　　Although Lu Enguang is an extreme case, he not only reflects the great significance of strictly administering the Party in an all-round way, but also reflects the problems in the political life within the Party. Party and government leading cadres at all levels related to Lu Enguang’s case, including provincial and ministerial cadres, have been seriously held accountable for their dereliction of duty in managing the Party and the Party, warning all party member cadres to stick to the bottom line of discipline, keep clean and honest, and be qualified Communist party member.

　　Li Zhi, the first provincial and ministerial official to be informed of age fraud

　　"China Discipline Inspection and Supervision Newspaper" once published an article that the sword refers to file fraud. According to the article, looking at the problem of official file fraud in recent years, there are many people, including provincial and ministerial tigers who have fallen, as well as department-level cadres; There are various forms of fraud, some of which have been tampered with for up to 11 times, and some of which are false except for gender.

　　The big tiger at the provincial and ministerial level mentioned here refers to Li Zhi.

　　Li zhi

　　During the two sessions in March 2015, Li Zhi, the former deputy director of the Standing Committee of Xinjiang People’s Congress who had retired for two years, fell off the horse and became the "first tiger" in Xinjiang.

　　According to CPC Central Commission for Discipline Inspection’s report, Li Zhi seriously violated discipline, forged files and concealed his real age from the organization. It is worth noting that the phrase "falsifying files and concealing my real age from the organization" has not appeared in previous notifications. As a result, he became the first provincial and ministerial official to be informed of age fraud.

　　According to the public resume, Li Zhi was born in November 1950 in Lixin, Anhui Province, joined the work in December 1969, joined the party in March 1971, and holds a postgraduate degree. Since joining the work, Li Zhi has worked in Xinjiang for more than 40 years, in addition to his three-year study experience in Nanchong Normal University (now Xihua Normal University).

　　The accusation describes Li Zhi’s "criminal" experience in this way, from the chairman of Xinjiang Light Industry Co., Ltd. to the deputy director of the Standing Committee of the People’s Congress of Xinjiang Uygur Autonomous Region, involving six positions. Judging from his resume, he was involved in corruption at the end of last century, and he was greedy for almost 20 years, and he was also reused while being corrupt. More interestingly, he chose to hide his real age from the organization, because he didn’t want to leave early, and the longer he worked, the more chance he had to make money.

　　Li Zhi once said frankly: "I’m not perfect. I also have impatience, mistakes and unscientific problems. I give others the impression that I am a very decisive person. But in fact, when I made a decision, I was thinking repeatedly, walking on thin ice, and even timid. " But in the case of file fraud, I can’t see his "cowardice".　

　　Everything is false except gender-Wang Yali

　　Except for gender, all the articles mentioned in the above-mentioned China Discipline Inspection and Supervision Newspaper are false, which refers to Wang Yali, former deputy secretary of Shijiazhuang Municipal Committee of Hebei Communist Youth League.

　　Wang Yali (Image Source Network)

　　In January 2010, Wang Yali was arrested. The former deputy secretary of the Shijiazhuang Communist Youth League Committee was reported by the party for impersonating another daughter with the intention of encroaching on other people’s heritage, and his fake identity was exposed. The information in its archives is all false, and more than one third of the more than 90 official seals in the archives are false.

　　The Central Commission for Discipline Inspection and the Central Organization Department issued a joint circular disclosing that Wang Yali was illegally employed as a national cadre and joined the Party by fabricating false identity, cadre files and work experience. In July, 2002, Wang Yali fabricated his resume, entered the Road Maintenance Collection Office of Shijiazhuang Municipal Transportation Bureau as a "demobilized cadre", and worked as a deputy director in Luquan Development Zone by forging the qualification of a cadre at the official level. Later, he served as assistant director of Xibaipo Memorial Hall, secretary of the Party Committee of Luquan Development Zone and deputy secretary of Shijiazhuang Communist Youth League Committee until the incident occurred in May 2009.

　　Some media have disclosed such a detail. Shijiazhuang has stipulated that the proposed deputy secretary of the Communist Youth League Committee should be under 30 years old. Wang Yali did not get this position, so he had to change his age, which had been reduced by four years, to four years younger. But such a change, in her resume, she became a pharmacist in a large military hospital at the age of 12, which inevitably surprised careful people.

　　In Wang Yali’s "promotion", Businessman Wang Pan played a vital role. For a long time, Wang Yali was the "goddaughter" of Wang’s broken plate.

　　It was the so-called "person" who helped Wang Yali’s rapid promotion. Later, because he lost a huge amount of property and called the police, it was found that Wang Yali took the money, which eventually led to the breakdown of their "father-daughter" relationship.

　　In 2008, Wang Po-pan died, and Wang Yali, once a "goddaughter", attempted to occupy Wang’s property, but was reported by Wang’s daughter.

　　The battle for production lasted for more than two years, which eventually led to the inside story of Wang Yali forging his resume, defrauding his official position and grabbing other people’s property. In the meantime, the official business transactions and the infighting between officials and officials are thrilling.

　　Officials who fell off the horse because of "fraud":

　　In recent years, due to the shortcomings in the management of cadres’ files, it has occurred from time to time to modify the age, add or delete resumes, or "whitewash" the background materials as a whole. With the continuous strengthening of the comprehensive and strict administration of the party, a number of corrupt officials have fallen.

　　On October 14th, 2011, Shen Qinghua, then secretary of the Discipline Inspection Commission of Linfen City, Shanxi Province, was dismissed by the Shanxi Provincial Party Committee because of being reported "file age".

　　In June 2012, Hejin City, Yuncheng City, Shanxi Province held a meeting of the Standing Committee of the Municipal Party Committee. Xue Xinmin, who had revised his birth date 11 times and forged his academic qualifications, was removed from the post of director of the Housing and Urban-Rural Development Bureau of Hejin City.

　　In July, 2014, the Central Organization Department released Shanxi to investigate and deal with the file fraud case of Wang Hongying, former secretary general of Taiyuan Quality Inspection Association.

　　In January 2015, Guangxi Zhuang Autonomous Region investigated and dealt with the case of Liu Tiejian, deputy director of the Forestry Social Insurance Center of the Forestry Department of the Autonomous Region.

　　In March 2015, Heilongjiang Province investigated and dealt with Meng Deyong, deputy director of China Merchants Bureau in Shuangcheng.

　　In March, 2015, Liaoning Province reported the case of Xia Ye, former deputy director of the Administrative Committee of Dawa Lingang Economic Zone in Panjin City, forging Party membership materials.

　　… …

　　The phenomenon of cadre fraud has not disappeared. Judging from the past cases, among the fallen cadres who have fraud problems, the forms of fraud are really varied. I believe there are similar "fake" cadres who will show their true colors one by one under the "sword" of the inspection team. In their position, party member cadres at all levels should strengthen self-discipline, improve their ruling ability, benefit one side of the people, and strive to become heroes of history rather than sinners of history. (Text/Zhao Yanling)

　　The website of the General Administration of Market Supervision reported on November 9 that in order to further implement the relevant requirements of the Opinions of the General Offices of the General Office of the Central Committee of the CPC and the State Council on Further Reducing the Homework Burden of Students in Compulsory Education and the Burden of Off-campus Training (hereinafter referred to as the "Double Reduction" document), the General Administration of Market Supervision, together with the Central Propaganda Department, the Central Network Information Office, the Ministry of Education, the Ministry of Civil Affairs, the Ministry of Housing and Urban-Rural Development, the State-owned Assets Supervision and Administration Commission, and the State Administration of Radio, Film and Television, recently studied and issued the Notice on Doing a Good Job in the Control of

　　The "Notice" requires that relevant local departments should immediately carry out special actions under the unified leadership of the Party Committee and the government, strictly follow the requirements of relevant policy documents, do not distinguish between disciplines and non-disciplines, and concentrate their time and efforts on comprehensively investigating and cleaning up off-campus training advertisements, clearing up the stock and eliminating the increment. Immediately organize mainstream media and their new media, online platform enterprises, outdoor advertising space management units and other relevant market entities to carry out self-examination and rectification. Conduct joint interviews with key media, online platform enterprises, major off-campus training institutions and advertising companies, and strictly investigate and deal with false and illegal off-campus training advertisements, forming a high-pressure situation of supervision.

　　The "Notice" clarifies that the coordination between advertising management and control and the examination and approval management of off-campus training institutions should be strengthened, and the advertising activities of off-campus training institutions should be regarded as an important part of their relevant qualification management. Strengthen the coordination between advertising control and media management, strengthen the management of traditional media industry and Internet information management, implement relevant responsibilities, and effectively deal with issues such as publishing off-campus training advertisements in disguised form in the form of sections (columns) and soft texts. Strengthen the control of billboards and advertising spaces owned by state-owned enterprises and other units, and prevent billboards and advertising spaces owned by railways, subways, buses, state-owned factories and mines and bus stations from publishing off-campus training advertisements, thus forming an effective demonstration effect.

　　The "Notice" emphasizes that it is necessary to further improve the multi-sectoral joint management and control mechanism, give full play to the role of the special coordination mechanism for "double reduction" work, improve the management and control mechanisms such as information sharing, analysis and judgment, and joint response to key public opinions, strengthen credit supervision and guide industry self-discipline, and form cross-sectoral collaborative supervision. Relevant departments should support towns and streets to carry out the daily management of outdoor advertising, actively organize, support and guide community workers and volunteers to join the advertising control work, and give play to the effect of social co-governance.

　　The "Notice" requires that all localities should strengthen organizational leadership, formulate advertising control work plans, strengthen supervision and guidance, do a good job in publicity and guidance, strengthen policy propaganda and interpretation, eliminate misreading and misunderstanding, and alleviate anxiety.

　　It is understood that since the issuance of the "double reduction" document, the market supervision department has conscientiously implemented the spirit of the document, effectively intensified the investigation and punishment of false and illegal advertisements for off-campus training, and organized a nationwide campaign to "protect the healthy growth of young people — — Education and training advertising clean-up and rectification actions. " Up to now, 1,570 related illegal advertising cases have been investigated, with a fine of 30.6 million yuan.

In order to better meet the people’s multi-level and diversified medical security needs and further reduce the burden of medical expenses for serious and serious diseases, Heilongjiang Province’s first inclusive health supplementary medical insurance, which is connected with basic medical insurance, has been officially launched. This product is aimed at all basic medical insurance participants in the province, regardless of household registration, age, occupation, health status, etc.

After the release of "Longjiang Huimin Insurance", it caused widespread concern and heated discussion in society. Who can insure "Longjiang Huimin Insurance"? What guarantees can be provided? How to settle claims? Relevant departments will sort out the answers for the insured.

1. Who can be insured?

Anyone who has paid for the basic medical insurance in Heilongjiang Province and is insured (the basic medical insurance in Heilongjiang Province refers to the basic medical insurance for urban and rural residents and the basic medical insurance for urban workers, including Heilongjiang provincial medical insurance, railway workers’ medical insurance, forestry workers’ medical insurance, oilfield medical insurance and agricultural reclamation medical insurance, etc.) can be insured. Regardless of age, newborns and people over 100 can be insured. No limit to household registration, no matter where the household registration is and where you live, you can have basic medical insurance in Heilongjiang. Not limited to occupations, students, retirees and high-risk occupations can be insured. Regardless of health status, people with previous illnesses can be insured and paid.

2. What is the insured price?

"Longjiang Huimin Insurance" products are divided into "Pratt & Whitney Edition" and "Upgrade Edition". The price of "Pratt & Whitney Edition" is 3 million yuan per person per year in 99 yuan, with the highest medical insurance; The price of "upgraded version" is 4 million yuan per person per year in 150 yuan. As long as they are insured for the basic medical insurance in Heilongjiang Province, they can pay for themselves and their immediate family members (parents, spouses and children, etc.) who are also insured for the basic medical insurance in Heilongjiang Province. Employees who are insured by medical insurance can use their personal medical insurance accounts to buy "Longjiang Huimin Insurance" for themselves or their spouses, parents and children who participate in the basic medical insurance in the province.

3. How to insure?

The insured persons of basic medical insurance in Heilongjiang Province can be insured in the following ways. Online channel: WeChat search for the official designated insurance platform "Longjiang Huimin Insurance" WeChat WeChat official account, and click "Insurance Entrance" on the bottom menu bar to insure; Search for "Longjiang Huimin Insurance" online insurance through Alipay; Search "Longjiang Huimin Insurance" for online insurance through Tik Tok.

Offline channels: China Life Insurance Co., Ltd. Heilongjiang Branch, China People’s Property Insurance Co., Ltd. Heilongjiang Branch, China Ping An Property Insurance Co., Ltd. Heilongjiang Branch, China Pacific Property Insurance Co., Ltd. Heilongjiang Branch, Sunshine Agricultural Mutual Insurance Company Heilongjiang Branch, Taiping Endowment Insurance Co., Ltd. Heilongjiang Branch, a total of six co-insurance companies offline sales channels.

4. When will the insurance take effect?

The insurance period is from September 20, 2022 to December 20, 2022, and the insured can enjoy the treatment guarantee from January 1, 2023 to December 31, 2023 without waiting period.

5. What are the guarantees for "Longjiang Huimin Insurance"?

Puhui edition99 yuan is guaranteed for one year, with a maximum of 3 million medical insurance. The guarantee responsibility includes: the hospitalization medical expenses in the basic medical insurance catalogue, the maximum guarantee is 1 million yuan, the annual deductible is 12,000 yuan, and the compensation ratio is 70%; The maximum medical expenses for hospitalization outside the basic medical insurance catalogue is 1 million yuan, the annual deductible is 22,000 yuan, and the compensation ratio is 50%; 34 kinds of domestic specific medical equipment expenses, the maximum guarantee is 800,000 yuan, the annual deductible is 22,000 yuan, and the compensation ratio is 70%; The expenses of specific drugs for six rare diseases are guaranteed at a maximum of 200,000 yuan, with an annual deductible of 22,000 yuan and a compensation ratio of 70%.

upgraded version150 yuan is guaranteed for one year, with a maximum of 4 million medical insurance. The guarantee responsibility includes: the hospitalization medical expenses in the basic medical insurance catalogue, the maximum guarantee is 1 million yuan, the annual deductible is 12,000 yuan, and the compensation ratio is 90%; The maximum medical expenses for hospitalization outside the basic medical insurance catalogue is 1 million yuan, the annual deductible is 22,000 yuan, and the compensation ratio is 70%; 34 kinds of domestic specific medical equipment expenses, the maximum guarantee is 800,000 yuan, the annual deductible is 12,000 yuan, and the compensation ratio is 70%; The expenses of specific drugs for six kinds of rare diseases are guaranteed at a maximum of 200,000 yuan, with an annual deductible of 12,000 yuan and a compensation ratio of 70%. The expenses of two kinds of CAR-T drugs are guaranteed at a maximum of 1 million yuan and the reimbursement ratio is 100%.

6. Does the previous medical history have an impact on insurance?

Past medical history, as the name implies, means that the insured has a past medical history. In the past, commercial health insurance generally did not allow people with past medical history to take out insurance, or even if people with past medical history were allowed to take out insurance, the related expenses of past medical history would not be paid. "Longjiang Huimin Insurance" breaks the restriction of past medical history. People with past medical history can not only be insured, but also the related expenses can be paid according to the agreed proportion.

Identification of people with previous diseases:

[1] Definition of the people with past illness who are responsible for hospitalization medical expenses: people who have suffered from four major past illnesses before the effective date of the policy.

Four major past diseases: (1) tumor: malignant tumor (including leukemia and lymphoma); (2) Liver and kidney diseases: renal insufficiency; Cirrhosis, liver dysfunction; (3) Cardiovascular and cerebrovascular diseases and glycolipid metabolic diseases: ischemic heart disease (including coronary heart disease and myocardial infarction) and chronic cardiac insufficiency (cardiac function grade III and above); Cerebrovascular diseases (cerebral infarction, cerebral hemorrhage); Grade Ⅲ hypertension (systolic blood pressure ≥180mmHg and/or diastolic blood pressure ≥ 110mmhg without medication); Diabetes with complications [refers to insulin-dependent diabetes (type I diabetes) or type II diabetes with local complications (including heart, kidney, cerebrovascular, retina and peripheral vascular diseases)]; (4) Lung diseases: chronic obstructive pulmonary disease and chronic respiratory failure.

[2] Definition of people with previous diseases of special drug liability: people who suffered from one or more adaptive diseases in the list of all special drugs of this product before insurance.

7. How to apply for a claim?

"Longjiang Huimin Insurance" and the basic medical insurance will be settled in a "one-stop" way, and there is no need to prepare materials and report the case. The expenses that meet the scope of protection will be settled directly after the reimbursement of the basic medical insurance, reducing the burden of the insured people on running errands. For special reasons, the insured who fails to pass the "one-stop" settlement of claims can apply for claims online by logging in to "Longjiang Huimin Insurance" WeChat WeChat official account.

8. How to find paid/pending orders?

Pay attention to "Longjiang Huimin Insurance" WeChat official account —— Click Personal Center —— Order Inquiry —— Click the Order Inquiry button in the lower right corner —— Enter the relevant information of the payer/insured to view the order. (Order payment/withdrawal can only be accessed through payer information)

9. How to check your medical insurance participation status?

Pay attention to "Longjiang Medical Insurance" in WeChat official account —— View in the service hall.

10. How to deal with the prompt "Your mobile phone number registration information does not match the payer" in the order payment link?

Guide customers to use cash payment for insurance. If customers don’t approve the cash payment method, guide the payer to download the corresponding mobile phone business hall App, and click personal information to see if it is consistent with the payer information filled in the order (name+ID number+mobile phone number must be consistent). If not, guide customers to the offline business hall to modify their personal information and wait for 3-7 working days to re-insure; If the information is consistent, provide a screenshot of the mobile phone business hall information for review.

11. In addition to provincial and municipal employees, do other employees, such as forestry workers, railways, agricultural reclamation, retired and retired personnel, also support insured identity verification and individual account payment?

At present, everyone can participate in the insurance except the farmers. The insurance entrance for agricultural reclamation personnel will be opened soon, so please look forward to it.

12. There was no medical insurance in 2022. Now I buy medical insurance in 2023. Can Huimin Insurance be purchased?

Can be purchased.

13. How to calculate the reimbursement rate for medical treatment in different places?

(1) For the medical expenses that fall within the scope of this insurance after the insured has gone through the basic medical insurance referral outside the province or has an emergency treatment in another place, and has been treated in a designated medical institution outside the province (only in the designated hospitals of secondary and above basic medical insurance in Chinese mainland), the proportion of compensation agreed upon in each responsibility shall be reduced by 10 percentage points accordingly (the former patients shall be reduced by 5 percentage points).

(2) If the insured is not in emergency or fails to go through the off-site referral and transfer according to the regulations, he will go to a designated medical institution outside the province for medical treatment, and the medical expenses that fall within the scope of this insurance after settlement by the basic medical insurance will be paid according to the agreed compensation ratio of each responsibility by 20 percentage points (10 percentage points for people with previous diseases).

14. Can I insure my parents-in-law?

Can be insured for people with insurable interests, and the applicant has insurable interests for the following people: himself; Spouse, children, parents; Other family members and close relatives who have the relationship of support, maintenance or maintenance; Workers who have labor relations with the insured; The insured agrees that the applicant will conclude a contract for him.

15. Can I insure offline?

At present, there is no offline method for personal insurance, and only orders can be placed through "Longjiang Huimin Insurance" WeChat WeChat official account online. If you are inconvenient to operate, it is recommended that your relatives help you to insure, or you can contact the sales staff of various insurance companies to assist in the operation of insurance.

16. How to calculate the deductible?

During the insurance period, the deductible is accumulated annually. For Pratt & Whitney products, the domestic expenses for specific medicines and equipment and the expenses for specific medicines for rare diseases share a deductible, while for upgraded products, the domestic expenses for specific medicines and equipment and the expenses for specific medicines abroad share a deductible, and the deductibles for other responsibilities are calculated separately. (Harbin Daily reporter Yu Yongzhen)