What do I need to use Medical Insurance Claims (医保报销)?

Insured city; Treatment; Where; The city's figures; Supplementary cover.

Is Medical Insurance Claims (医保报销) free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Medical Insurance Claims (医保报销)

Q: How do I know the Medical Insurance Claims (医保报销) output is good?

The skill verifies itself against its own quality checks: The scheme and settlement method are identified for this case; Cross-region registration is covered whenever treatment is outside the insured city; The estimate uses only figures the person supplied or was directed to, with the calculation shown; Uncovered and partly covered items are separated before applying the rate.

🔵 Stable🕐 updated 2026-10-05⚖️ rules checked 2026-10-05 🔷 SkillSpec L3 pm-china-life

Use when asked 医保怎么报销, 异地就医怎么备案, 住院能报多少, 门诊报销比例, 手工报销要什么材料, 惠民保值不值得买, or work out what China's basic medical insurance (医保) will pay for a treatment. Produces the person's scheme (职工医保 or 居民医保), how a claim works for this case (direct settlement or manual reimbursement), an out-of-pocket estimate built from the city's own deductible, rate and cap, the cross-region registration (异地就医备案) steps, and the documents to keep.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“我是北京职工医保，去上海住院，要备案吗？能报多少？”“住院花了 5 万，医保大概能报多少？”“手工报销需要哪些材料？”“How much will China's medical insurance cover for my surgery?”

What to give it

▸Insured city — and scheme: 职工医保 (through an employer) or 城乡居民医保

▸Treatment — inpatient or outpatient, condition, expected cost, hospital and its level

▸Where — the treatment happens: the insured city or another city (and whether they live there or are visiting)

▸The city's figures — for deductible, reimbursement rate and cap, if the person has them

▸Supplementary cover — 大病保险, 惠民保, commercial insurance, employer plans

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓The scheme and settlement method are identified for this case

✓Cross-region registration is covered whenever treatment is outside the insured city

✓The estimate uses only figures the person supplied or was directed to, with the calculation shown

✓Uncovered and partly covered items are separated before applying the rate

✓Every local figure and deadline is marked to confirm with the 医保局

✓No insurance product is recommended

✓If a 长辈版 is included, it uses one action per step, plain words and a call-for-help line

⚠️ What it refuses to do

**Going to another city without filing 异地就医备案.** It can cut the reimbursement sharply.

**Applying the rate to the whole bill.** Uncovered items come off first.

**Throwing away receipts.** Manual claims fail without them.

**National averages.** Every city sets its own deductible, rate and cap.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="cn-medical-insurance-claim"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Medical Insurance Claims (医保报销) is one of 1297 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog