Health insurance and the system

어휘

• 医疗保险health insurance
• 报销to reimburse / claim
• 参保to enrol in insurance
• 门诊outpatient clinic
• 住院to be hospitalised
• 社保social security
• 定点医院designated hospital
• 医保卡health insurance card
• 转诊referral / to refer
• 费用cost / fee
• 自费out-of-pocket payment
• 保障coverage / protection

표현

• 我参加了医保，可以报销大部分费用。Explaining insurance coverage
• 如果需要住院，要提前告知保险公司。Advising pre-notification for hospitalisation
• 转诊单要由家庭医生开。Explaining referral process
• 这次门诊费用可以报销多少？Asking how much of the outpatient fee is covered
• 要是没带医保卡，可能需要先自费。Warning about not having insurance card
• 需要先在定点医院看病，才能报销。Explaining designated hospital requirement

자주 하는 실수

• ✗我需要买医疗保险单。
  ✓我需要买医疗保险。

  保险 already means insurance — adding 单 (document) changes the meaning. Just say 医疗保险.

• ✗我去看医生了昨天。
  ✓我昨天去看医生了。

  Time words like 昨天 come before the verb in Chinese — subject + time + verb + object.

• ✗这个药方很贵的。
  ✓这个药方很贵。

  No 的 needed after a simple adjective predicate — 很贵 closes the statement on its own.

• ✗医院收我三百块钱的费用。
  ✓医院收了我三百块钱。

  Use 收了 (charged) and place the amount after the person — 收了我三百块钱 is natural word order.

• ✗我要转介绍给专家。
  ✓我要转诊去看专科医生。

  转介绍 is not a standard medical term — 转诊 (referral) is the correct word, followed by 看专科医生.

짧은 퀴즈