I want to buy an insurance policy in the community, but I don t know how to buy it

I thought it was urban resident medical insurance. The annual premium is relatively small, and there are some differences in payment and treatment in different places.

At present, the national social insurance system includes social pension insurance and social medical insurance.

Social medical insurance includes three levels: medical insurance for urban employees, medical insurance for urban residents, and new rural cooperative medical insurance.

Students and unemployed persons under the age of 18 are classified as having urban resident medical insurance.

At the same time, it is recommended to pay attention to and insure the return-type critical illness insurance in commercial insurance, which has the following characteristics: payment type (no invoice required), returnability, low payment, and high protection.

Insurance arises due to risks, and the occurrence of risks is uncertain, so it is important and urgent to take out insurance.

Community medical insurance, as long as you pay 100 yuan a year.

Community medical insurance belongs to the medical insurance for urban residents, that is, for the people who have no way to participate in the employee medical insurance (general medical insurance) in the urban household registration, the cost is relatively small, and the reimbursement ratio and total reimbursement amount are not as high as the employee medical insurance.

If the insured resident suffers from a disease that requires hospitalization after being diagnosed by the attending physician of the outpatient clinic and meets the list of inpatient diseases, the patient or his family members shall go to the medical insurance office of the designated medical institution with the patient's ID card, special medical records for resident medical insurance, hospitalization certificate issued by the outpatient physician and other diagnostic basis.

Community medical insurance belongs to the medical insurance of urban residents, that is, for the people who have no way to participate in the employee medical insurance (general medical insurance) in the urban household registration, the cost is relatively small, but the reimbursement ratio and the total reimbursement amount are not as high as the employee medical insurance, and the choice of hospital must start from the community hospital, and you can go to a large hospital only if you meet the transfer regulations, and if you go directly to a large hospital, you may not be reimbursed. The medical expenses of insured residents hospitalized in designated medical institutions (including family beds) shall be subject to the method of determining the minimum payment standard, paying the part exceeding the minimum payment standard according to the proportion of the hospital level, and controlling the maximum payment limit.

Community medical insurance is a medical insurance for urban residents, and the payment is paid annually (related to age and the nature of the person). Residence insurance, 30% of the annual outpatient co-ordination within 100 yuan, and self-payment outside the home; The proportion of hospitalization is less than that of employee medical insurance, the maximum standard of overall payment is small, and the number of serious diseases is less.

The medical insurance handled by units and individuals belongs to the medical insurance for urban employees. The unit is five insurances together, and there are only two types of pension and medical care for individuals (there is no maternity insurance in many places). Individual handling is social security for urban flexible employment personnel, and medical insurance must be paid for 6 consecutive months before it is eligible for hospitalization co-ordination, and the balance of personal account is fixed (Wuhan did not have it before, but now it is transferred in 15 months of each month).

Generally speaking, these differences are that in short, job insurance is better than home insurance, and the unit is better than the individual.

25 years old, in good health, medical insurance does not matter, personal social security has pension, community medical insurance has no pension insurance. Either way, if you find a work unit, you can stop it and renew it for social security.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If you are an in-service employee of the enterprise, then you don't need to worry about handling social security, because your business unit has the responsibility and obligation to handle the corresponding social security with you! And every month, you will deduct a contribution ratio from your personal salary, so most of the contribution ratio will be borne by the enterprise unit!

If you don't have a job and are a freelancer, then in this case, you can choose to pay your own social security benefits in the form of flexible employment, including employee pension insurance and employee medical insurance, which you can pay, in this case, you can enjoy a cumulative payment period of this social security, for example, the cumulative payment period of pension insurance, including the cumulative payment period of medical insurance, he is completely consistent with the cumulative payment period of the in-service employees of the enterprise. And the two of them are transferable to each other.

That is to say, if you find a new employer in the future, then you can transfer your social security for flexible employment to the new employer to participate in the insurance, or after you leave the original employer, then you can continue to participate in the insurance in the form of flexible employment. The cumulative payment period between the two can still be calculated, because the longer the cumulative payment period means that you can get a higher pension treatment, so the choice of payment method should be decided according to whether you have a work unit, rather than saying that you can pay social security if you want to pay social security.

Handling of community insurance: urban residents go to the labor security workstation of the community where the household registration is located to go through the insurance procedures, and the students of urban collective household registration are responsible for the centralized registration of community medical insurance by the school where they are located, and go to the medical insurance agency in the district to go through the insurance procedures.

Community insurance application process.

1.During the annual declaration and payment period, the community residents or their guardians should bring the household registration booklet to the community labor security service station where the household registration is located, fill in the registration form, and go through the procedures for participating in the domestic medical insurance for the next settlement year. For those who have applied for insurance renewal, they should accurately fill in the social security individual number.

Unemployed persons must also provide their "Employment and Unemployment Registration Certificate" or pure "Employment Registration Certificate (Labor Handbook)". Community residents who meet the conditions for exemption must also provide valid exemption certificates (original and photocopy), among which severely disabled persons must also provide the "Certificate of Disabled Persons of the People's Republic of China" and the "Notice of Suzhou Labor Ability Appraisal Conclusion".

2.The community labor security service station shall review the information declared by the individual, confirm the eligibility for domestic medical insurance, and determine the exemption qualification or the amount payable. After the community residents pay the fees in accordance with the regulations, the labor and social security service station will issue them with a special salute quota receipt supervised by the financial department.

3.The community labor security service station settles through the information system, generates and prints the "Suzhou Urban Resident Medical Insurance Settlement Form", and goes to the social security agency in the district to go through the payment confirmation procedures with the settlement form and the medical premium money collected. Settlement and payment confirmation procedures can be handled multiple times during the declaration and payment period.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"