Do I still need to buy insurance if I have publicly funded medical care?

Do I need to buy critical illness insurance if I have social security and publicly-funded medical care?

Seeing that your benefits are better, you can buy some critical illness insurance according to your actual situation.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

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Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

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

After having health insurance, whether we need to buy other insurance needs to be judged according to the family's risk tolerance. The family's financial situation is very good, unfortunately suffering from a serious illness, and the risk is completely bearable, then you can not buy it. For ordinary families, they cannot afford the risk of serious illness, or it will bring greater financial pressure to the family.

There it isPublicly funded medical careYou can pay for medical insurance in the future, but you can't use medical insurance.

In fact, publicly-funded medical care refers to the state's efforts to protect state workers.

A social security system is implemented in which free medical and preventive services are provided to the beneficiaries through the medical and health departments in accordance with regulations.

Difference Between Publicly Funded Medical Care and Medical Insurance:

1. The concept is different. Medical insurance means that when an employee or resident is sick, he or she can obtain affordable and appropriate medical technology that can be provided to them at present. Publicly-funded medical care refers to a social security system implemented by the state to protect state functionaries, and provides free medical and preventive services to recipients through the medical and health departments in accordance with regulations.

2. The people covered are different. The people covered by medical insurance include employees and residents, but publicly-funded medical care is limited to civil servants.

3. Scope of protection. Publicly-funded medical insurance has a larger coverage and higher reimbursement ratio than medical insurance.

4. The burden subject is different. Publicly-funded medical care shall be borne by the unit and included in the budget of the department; Health insurance is provided by social security**.

Those who pay and enjoy medical insurance are all employees of enterprises and employees of former public institutions who have been divested.

YesThese are two systems, publicly-funded medical care.

If it belongs to your school, wait for college graduation, apply for employee social security paid by the company, or apply for resident medical insurance by yourself.

Or go to the Human Resources and Social Security Bureau to apply for a flexible employment and medical insurance for people returning to the town.

The reimbursement system for publicly-funded medical care is mainly for retired cadres, civil servants at a certain level, cadres of party and government organs, and current students.

The difference between publicly funded medical care and social security

Compared with resident medical insurance or even employee medical insurance, publicly-funded medical care has a wider reimbursement scope and a higher reimbursement ratio. Therefore, publicly-funded medical care is obviously better than medical insurance. However, as mentioned above, the audience for publicly-funded medical care is small.

Moreover, publicly-funded medical care is mainly borne by the unit, so the pressure on the unit is relatively large.

The medical insurance is implemented in accordance with the reimbursement ratio stipulated by the state, provinces and cities, and is managed by the Social Security Bureau in a unified manner, which has no impact on the unit.

Moreover, China is now gradually abolishing the publicly-funded medical system and encouraging units to participate in social security for employees. Since New Year's Day 2020, all municipal publicly-funded medical personnel in Beijing have been incorporated into the employee medical insurance. About 220,000 people have been abolished from publicly-funded medical treatment, paid social security according to the proportion, and will have to use medical insurance cards to go to hospitals in the future.

Settlement. So far, a total of 670,000 publicly-funded medical care at the municipal and district and county levels in Beijing have also been converted to social security. In the next step, 330,000 first-class publicly-funded medical personnel, in the next 3-4 years, China's public-funded medical care will all be integrated into the employee medical insurance.

Legal Analysis: At present, civil servants have abolished the inclusion of publicly-funded medical care in medical insurance. Medical insurance refers to the basic medical insurance premiums that should be paid in full and on time by the employer and the individual employee in accordance with the principle of compulsory social insurance through national legislation.

If you do not pay in full and on time, regardless of your personal account, the basic medical insurance coordinator will not pay your medical expenses.

Legal basis: Shenkong "Social Insurance Law of the People's Republic of China".

Article 5: The people at or above the county level shall include social insurance undertakings in their national economic and social development plans.

The state raises social insurance funds through multiple channels. The people at or above the county level shall give necessary financial support to the social insurance undertakings.

The state supports social insurance through preferential tax policies.

Article 70: Social insurance agencies shall periodically announce to the public the situation of participation in social insurance, as well as the income, expenditure, balance and income of social insurance**.

Article 72: Social insurance agencies are to be established in the coordinating regions. According to the needs of the work, the social insurance agency may set up branches and service outlets in the overall planning area with the approval of the local social insurance administrative department and the administrative organ for the establishment and management of the institution.

The personnel expenses of the social insurance agencies and the basic operating and management expenses incurred in handling social insurance shall be guaranteed by the finance department at the same level in accordance with the provisions of the State.

Approved.

Difference Between Publicly Funded Medical Care and Medical Insurance:

The definition is different

Medical insurance is a medical technology that provides employees and residents with medical care that they can afford when they are sick, while publicly-funded medical care is a social security system that provides free medical care and preventive care to certain workers.

The population covered is different

Publicly-funded medical care is limited to civil servants. Medical insurance is covered by working employees, farmers, students, and children.

Coverage varies

Publicly-funded health care is more covered than medical insurance, and the reimbursement rate is higher. Publicly-funded medical care is borne by the unit, and the reimbursement ratio is 100%, and the reimbursement ratio is implemented within the prescribed range.

In general, the reimbursement scope of publicly-funded medical care is wider, the reimbursement ratio is higher, and the cost is borne by the unit, but the number of people who can enjoy it is limited. Medical insurance covers a wide range of people, but the reimbursement ratio is limited.