What is supplementary insurance and what is supplementary insurance

Supplementary medical insurance is relative to basic medical insurance, including enterprise supplementary medical insurance, commercial medical insurance, social mutual aid and community medical insurance and other forms, is a powerful supplement to basic medical insurance, but also an important part of the multi-level medical security system. Unlike basic medical insurance, supplementary medical insurance is not enforced through national legislation, but is voluntarily participated by employers and individuals. It is a kind of supplementary insurance that improves the level of insurance protection by units or individuals according to the needs and possible principles after participating in the unified basic medical insurance.

Basic medical insurance and supplementary medical insurance are not contradictory, but complementary and irreplaceable, and their purpose is to provide medical protection for employees.

Supplementary endowment insurance is an endowment insurance system based on the basic principle of voluntary and market-oriented operation in addition to the mandatory social basic endowment insurance system, which is guided, supported and standardized by the state through certain policies.

As an important institutional arrangement outside the national statutory basic pension insurance system, supplementary pension insurance is an important part of China's construction of social pension security system. From the perspective of foreign development experience, supplementary pension insurance can effectively improve the level of old-age security of the whole society. Since 1991, China began to develop supplementary pension insurance, affected by a variety of factors, supplementary pension insurance has not become an important pillar of China's social pension security system.

Significance of Supplementary Insurance:

Vigorously developing supplementary endowment insurance for enterprises is conducive to dispersing insurance responsibilities and adapting to the needs of China's rapid development towards an aging society. The rapid aging of China's population has become an irreversible historical trend, and with the aging of the population, the contradiction between the supply and demand of China's pension insurance costs will become more and more acute.

Vigorously developing supplementary endowment insurance for enterprises is conducive to reducing the pressure on the payment of basic endowment insurance and ensuring the smooth implementation of the social endowment insurance system. Due to the late establishment of China's pension insurance system, the accumulated funds of basic pension insurance are insufficient, and the gap between income and expenditure has expanded year by year in recent years.

The above content reference:

Supplementary insurance refers to a kind of supplementary medical insurance that units or specific groups of people voluntarily participate in according to their own economic income level and the severity of the disease, which is basic medical insurance.

It is also an important part of the multi-level medical security system.

Extended Materials. Supplementary insurance refers to a socialized security system with policy and group welfare established by enterprises and employers as the direct responsible subjects under the norms and guidance of relevant national laws and policies, which is one of the important contents of occupational welfare.

The basic purpose of supplemental insurance.

Its basic purpose is to attract, retain, cultivate and motivate talents, and the ultimate goal is to enhance the market competitiveness of enterprises and employers, and maximize the interests of enterprises and employers.

Our country has the World Bank.

The proposed three-pillar old-age security system is establishing a multi-level old-age security system, in which the basic old-age insurance led and managed by the first leader.

It constitutes the first level or the first pillar of employee pension security, and is advocated but developed independently by the enterprise as a supplementary pension insurance.

It constitutes the second level or second pillar of the employee pension security system, and the commercial life insurance voluntarily purchased by groups or individuals constitutes the third level or third pillar of the employee pension security system.

With the establishment of the framework of the multi-level old-age security system, the replacement rate of basic old-age insurance.

It will decline, the state's pension insurance liability will be effectively controlled, and supplementary pension insurance and commercial life insurance will gain broad space for development. Supplemental medical insurance.

It is a supplement to medical social insurance.

China's old-age social insurance.

Limited to basic medical insurance and serious illness pooling, it is not enough to provide adequate medical protection, which needs to be supplemented by supplementary medical insurance and commercial health insurance. The right to supplementary pension insurance and supplementary medical insurance are contractual rights, not statutory rights, and are derived from the constitutional right of social security, so supplementary insurance does not belong to the content of the right to social security.

Principles of the establishment of supplementary medical insurance.

Supplementary medical insurance is different from basic social medical insurance and has commercial insurance.

of certain properties. Therefore, the establishment of supplementary medical insurance should generally follow the following principles:

The first is the principle of voluntariness;

The second is the principle of non-welfare, that is, supplementary medical insurance does not have social fairness, reflecting the principle of more insurance and more benefit, less insurance and less benefit, and no insurance and no income;

The third is the principle of objectivity, that is, the establishment of supplementary medical insurance should be decided according to the actual situation such as the level of local economic development, the characteristics of income distribution, the age structure of the population, and the level of demand for medical insurance.

Supplementary insurance for endowment insurance means that in addition to the basic endowment insurance formulated by the state, according to its own economic strength, after fulfilling the obligation to pay the basic endowment insurance, the additional insurance established for the employees of the enterprise unit. To put it simply, the supplementary insurance of endowment insurance is the supplement and improvement of the basic endowment insurance implemented by the enterprise for the state for employees.

Therefore, the supplementary insurance of endowment insurance does not force enterprises to purchase it for employees, and it is based on the basic principle of voluntariness.

Vigorously promoting supplementary endowment insurance is not only conducive to reducing the pressure on the payment of basic endowment insurance, but also ensuring the smooth implementation of the social endowment insurance system. At the same time, it is conducive to improving the pension insurance benefits of the insured. At present, China's supplementary endowment insurance mainly covers two categories: enterprise supplementary endowment insurance and commercial supplementary endowment insurance.

Enterprise supplementary endowment insurance is enterprise annuity, which refers to a kind of auxiliary endowment insurance established by the enterprise for the employees of the enterprise according to its own economic strength, in the implementation policies and implementation conditions stipulated by the state. It is the second level of the multi-level pension insurance system, which is guided by the national macro and implemented by the internal decision-making of the enterprise. Its main purpose is to improve the living standards of employees after retirement, and its main characteristics are as follows:

1. Adopt the personal account accumulation model;

2. Generally, the enterprise pays, and the individual employees do not pay;

3. Payment funds**Enterprise-owned**, rewards and benefits**;

4. Enterprises are established voluntarily, and the state is not compulsory.

Legal basis

Social Insurance Law of the People's Republic of China

Article 16 Individuals participating in the basic old-age insurance who have paid contributions for 15 years or more when they reach the statutory retirement age shall receive the basic old-age pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Enterprise supplementary insurance mainly includes enterprise supplementary endowment insurance and enterprise supplementary medical hardship insurance.

Two parts. Enterprise supplementary endowment insurance is also called enterprise annuity.

Enterprise supplementary medical insurance includes general medical insurance, accidental injury medical insurance, hospitalization medical insurance and special disease insurance.

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The reimbursement and reimbursement ratio and expenses of the enterprise supplementary medical care are mainly used

1. The principle of reimbursement of supplementary medical insurance for enterprises is that the part that is not reimbursed by social security will be reimbursed from supplementary medical care. For example, the part within 1,800 for outpatient treatment and the part outside the social security reimbursement ratio of 1,800 or more, the part within 1,300 for hospitalization and the part outside the social security reimbursement ratio of more than 1,300.

2. The amount of reimbursement for supplementary medical treatment of the enterprise is determined according to the unit's own choice, for example, the outpatient unit can choose to reimburse 60% or 80% or even 90% in addition to the social security reimbursement, etc., and the same is true for hospitalization, which can be reimbursed after the declaration and reimbursement.

3. The cost of supplementary insurance for enterprises: according to the reimbursement ratio of supplementary insurance selected by the enterprise, the cost of the outpatient part is relatively high, the cost of choosing 90% is higher than the cost of choosing 60%, and the cost of the inpatient part is relatively low, so when many units choose supplementary medical care, the proportion of outpatient is not so high, so that the cost can be lower, and the cost is also related to the number of insured personnel, the average age of personnel, and the number of retirees. Therefore, the insurance premium for supplementary medical treatment can only be determined after specific discussion with the unit;

4. The insurance premium of the supplementary medical treatment of the enterprise is paid once a year, and it can be paid in 4% of the salary, but it does not mean that the 4% is handed over, if there is a change in personnel, and now the social security is increased or decreased, and the change order of the social security can be made in the insurance company to do the personnel change, refund or increase the fee.

Enterprise supplementary medical insurance is a form of supplementary medical insurance that enterprises independently organize or participate in on the basis of participating in urban basic medical insurance, which is encouraged by the state and given by the state. It includes three forms: commercial medical insurance institutions, social medical insurance institutions, economic and private medical insurance institutions, and large enterprises running their own businesses.

The biggest feature of enterprise supplementary medical insurance is that its insurance liability scope can be negotiated with the insured company, and the specific situation should be checked according to the group insurance policy of the insured unit. The specific management of enterprise supplementary medical insurance mainly relies on the relevant departments of human resources of the insured enterprise, and at the same time, it is drafted in combination with the specific contract terms of supplementary medical insurance.

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

Normally, if you sign an employment contract with the company, the company must pay you social security.

If you don't pay it, it's a violation.

Going back to your question, Medicare and commercial Medicare are not the same thing.

The reason why commercial insurance is a supplement to medical insurance is because the scope and amount of medical insurance (social security) reimbursement are limited.

Commercial medical insurance, on the other hand, does not have as many restrictions. If a major illness occurs, many of the drugs and devices used are imported at their own expense, and medical insurance cannot reimburse them. If you have critical illness insurance, then you can pay hundreds of thousands of dollars at once (according to the amount you purchased), and you can rest assured**, without worrying about what you don't pay out of pocket.