根据新的医保政策，预计昆明全市将有超过380万人获益。据了解，昆明城镇居民基本医疗保险和新型农村合作医疗的参保(参合)人员均属于昆明市城乡居民基本医疗保险的参保范围。包括本市户籍农村居民；本市户籍的大、中专院校学生，中、小学阶段的学生和未入学的少年儿童以及其他非从业城镇居民；持《云南省昆明市居住证》的非从业人员及持《云南省昆明市居住证》人员的子女。也就是说，几乎所有长期生活在昆明的中国公民，原则上都有权利申请昆明城乡居民医疗保险。

According to the new medical insurance policy,Kunming city is expected to more than 3.8 million people will be benefit.It is understood,Kunming urban resident basic medical insurance and the new rural cooperative medical ginseng protect(Ginseng add up to)Personnel all belong to kunming urban and rural residents in the basic medical insurance of ginseng.The registered permanent residence of this municipality includes rural residents;The registered permanent residence of this municipality/Secondary technical schools students,in/Primary school students and not school children and other non-employed urban residents;the[Kunming residence permit]Of the employees and the[Kunming residence permit]Personnel children.that,Almost all live for a long time in kunming Chinese citizens,In principle all have the right to apply for kunming medical insurance for urban and rural residents.

个人每年缴费50元 Individual pay cost fifty yuan each year

　　城乡居民基本医疗保险筹资标准为年人均306元/人。其中，个人缴费为每年50元，各级财政补助256元。而户籍的城乡低保对象、城乡重度残疾人、城镇低收入家庭60周岁以上的老年人及未成年人、农村五保供养对象、农村独生子女的父母及年龄不满18周岁的独生子女、只生育了两个女孩且采取了绝育措施的农村夫妻，其基本医疗保险个人缴费部分由政府承担，个人不缴费。

Urban and rural residents in the basic medical insurance financing standard is 306 yuan per year per person.the,Individual pay cost fifty yuan for each year,Departments at all levels for finance subsidy of RMB 256.And the registered permanent residence of urban and rural residents object/Severely disabled people in urban and rural areas/Urban low-income families sixty years old or older and minors/Rural "five guarantees" object/Rural the singleton female parents and the age of eighteen years old only children/Bear the two girls and take the sterilization measures of rural couples,The basic medical insurance individual pay cost for by the government,Individual not pay cost.

最高报销比例85% The highest reimbursement ratio of 85%

　　参保人患病在定点医疗机构发生的符合城乡居民基本医疗保险基金支付范围的住院医疗费用，一级及其以下医疗机构(包括基层医疗卫生服务机构)起付标准为100元，报销比例为85%；二级医疗机构起付标准为300元，报销比例为75%；三级医院起付标准为600元，报销比例为60%。在一个自然年度内，最高支付限额为6万元。一个自然年度内，参保人第二次住院的起付标准为就诊医疗机构级别起付标准的30%，第三次住院不设起付标准。

Ginseng protect people get sick in the designated medical institutions with happened between urban and rural residents basic medical insurance fund pays range of medical treatment of be in hospital costs,Level 1 and the following medical institutions(Including basic medical and health services)Fu biao for 100 yuan,Reimbursement ratio is 85%;Secondary medical institutions fu biao for 300 yuan,Reimbursement ratio is 75%;Tertiary hospital fu biao for 600 yuan,Reimbursement ratio is 60%.In a natural within the year,Highest pay limitation to be 60000 yuan.A natural within the year,Ginseng protect a second time in the hospital for a fu biao medical institution level up to pay 30% of the standard,The third hospital do not set a standard pay.

　　患慢性肾功能衰竭(门诊透析治疗)、恶性肿瘤(门诊放、化疗)、器官移植抗排异治疗、系统性红斑狼疮、再生障碍性贫血、血友病、精神分裂症及双向情感障碍(需住院治疗)、癫痫参保人的门诊医疗费，按住院费用结算，一个自然年度支付一次起付线，但起付线不参与住院起付线累计。

With chronic renal failure(Outpatient dialysis)/Malignant tumor(Outpatient service to put/chemotherapy)/Organ transplantation anti rejection therapy/Systemic lupus erythematosus (sle)/Aplastic anemia/hemophilia/Schizophrenia and bipolar affective disorder(Need hospital treatment)/Epilepsy ginseng protect the outpatient service medical treatment,According to the hospital cost settlement,A natural annual pay a start to pay line,But the pay line does not participate in the hospital total pay line.

　　昆明市户籍的新生儿，出生后一年内参保的，其出生后患病所发生的医疗费由城乡居民基本医疗保险统筹基金按规定支付，其父亲或母亲参加城乡居民医疗保险的，出生当年也可随父亲或母亲享受城乡居民医疗保险待遇。(何瑾)

The registered permanent residence of kunming newborn,Within one year after the birth of ginseng,Its birth sick after what happened by urban and rural residents medical treatment insurance of primary medical treatment to plan as a whole fund press a regulation to pay,The father or mother to participate in medical insurance for urban and rural residents,That also can be born with father or mother of urban and rural residents to enjoy treatment of medical treatment insurance.(HeJin)