What are the functions of medical insurance, please explain in detail, thank you! 15

Suitable for people of all ages without medical insurance] picc Chinese People's Insurance Company - "Health Secretary" comprehensive insurance plan (outpatient emergency, critical illness, accident, hospitalization, accidental medical comprehensive coverage).

29 critical illnesses with a 60-day waiting period.

Issue age: 5 60 years old, renewable up to 65 years old.

1. Outpatient and emergency medical care: 800 yuan each time (150 yuan for special outpatient clinics), and a total of 10,000 yuan for the whole year (90% of the compensation ratio).

2. Inpatient medical treatment: 30,000 yuan (zero free accompaniment, compensation ratio 100) 3. Critical illness: 100,000 yuan.

4. Death or total disability: 100,000.

5. Accidental death: 300,000.

6. Accidental disability: up to 300,000.

7. Accidental burns: up to 300,000.

8. Accidental medical treatment: 30,000 yuan (zero free accompaniment, compensation ratio 100) 9. Public transportation accident insurance: 500,000 yuan for aircraft; 200,000 for ships and rail transit; 100,000 cars.

The annual insurance premium is 4000 yuan.

Ping An Insurance: Ping An Insurance Medical Accident Insurance Portfolio:

Example: Mr. Li, 23 years old, Class 1 occupation.

Type of insurance Sum insured Annual premium to be paid.

Ping An accidental injury, the sum insured is 100,000, 150 yuan;

Ping An hospitalization expenses, 2 copies, RMB;

Additional accidental medical treatment, 10000, 78 yuan;

Additional hospitalization day, 5 copies, 85 yuan;

Total annual payment: RMB.

The benefits are as follows:

Accidental death: 100,000 yuan; In the event of accidental death on public transport, the disability will be doubled. （20000-200000）

Accidental disability: 10,000-100,000 yuan; Third-degree burns are also included.

Accidental medical treatment: 10,000 yuan, hospitalization and outpatient can be reimbursed for accidents, 100 deductibles, and 100% reimbursement for more than 100.

Hospitalization Expenses: Covers sickness and accidental hospitalization. It can be insured multiple times a year, and the maximum reimbursement is 29,000 yuan each time. Reimbursement at 80% of reasonable expenses. There is no limit to the sum of one year.

Daily Hospitalization: 50 days per day after hospitalization, up to a maximum of 180 days. Critical illness allowance is 100 days, and 90 days can be subsidized.

With less than two dollars a day, you can enjoy high protection and comprehensive protection.

The function is to prevent serious illnesses and can have money to treat them.

· The publicly-funded medical care and labor insurance medical insurance established in China in the early 50s are collectively referred to as employee medical insurance. It is an important part of the national social security system and one of the important items of social insurance.

Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid and sociality. Therefore, medical insurance is usually legislated by the state, enforced, and established a first-class system, the cost is paid by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risk caused by the illness or injury of the worker. Medical insurance is a kind of social security system that provides medical services or economic compensation by the state or society when people are sick or injured.

It has the same socio-economic significance as pension insurance, and the specific approach is similar.

Over the past 40 years, China's medical insurance has played a positive role in ensuring the health of employees and maintaining social stability. It guarantees the basic medical care and the need to improve the health level of all employers and their employees, and greatly improves the living standards of the Chinese people. In particular, to solve the problem of high medical expenses when employees suffer from serious illnesses, through "mutual assistance and mutual assistance", it not only effectively shares the risks, but also fully embodies the guiding ideology of the principle of social fairness.

With the establishment of the market economy system and the deepening of the reform of the state and enterprises, the original insurance system has been difficult to solve the problem of basic medical security for workers under the conditions of market economy.

Hehe, what's there to ask.

Look at your relatives and friends, have you lost a lot of money when you were treated because you didn't have health insurance.

A responsibility! To yourself, to your family

Medical insurance is a product that everyone is familiar with, which is a kind of insurance that can report medical expenses and be reimbursed as long as you are sick and hospitalized. Some friends may not know much about medical insurance, and most of the friends know that the medical insurance is still based on social medical insurance.

At present, China's medical insurance is divided into two categories: social medical insurance and commercial medical insurance.

1. Social medical insurance is the basic medical insurance provided by the state and society to the workers within the protection in accordance with relevant laws. This system is the basic guarantee of the state and is of great help to economically disadvantaged families. Through national legislation, in accordance with the principle of compulsory social insurance, the basic medical insurance premiums are paid by employers and individuals, and medical insurance is established to avoid or alleviate the economic risks caused by illness and so on.

aThere are three types of social medical insurance: basic medical insurance for urban employees, basic medical insurance for urban residents, and new rural cooperative medical care. The new type of rural cooperative medical care and basic medical insurance for urban residents are a combination of individual payment and subsidy.

2. Commercial medical insurance refers to the for-profit medical insurance operated by insurance companies. Consumers pay a certain amount of insurance pension, and in the event of a critical illness, they can get a certain amount of medical expenses from the insurance company.

Commercial medical insurance units or individuals participate voluntarily, ** there is no mandatory requirement. Units or individuals pay all insurance premiums, ** there is no subsidy. For example: critical illness insurance, high-incidence critical illness full insurance, hospitalization compensation insurance, accident medical insurance, etc.

In general, commercial insurance is a supplement to social medical insurance, that is, to make up for the shortcomings of social insurance. Social security also makes up for the shortcomings of commercial insurance, commercial insurance is to make money, the premium and the amount of insurance are relatively high, social security is the basic welfare of the people, the premium is less and the benefits are more, but the reimbursement amount is not very high.

Summary: There are two types of medical insurance, social medical insurance and commercial medical insurance. These two types of insurance complement each other and can make up for each other's shortcomings, so it is recommended to configure them together to provide more comprehensive protection.

The functions and significance of medical insurance include the following:

1. It is conducive to promoting the development of production: the establishment of medical insurance can promote social progress and the development of productivity, solve the worries of workers in the face of danger, and protect the physical and mental health of workers.

2. Adjust the difference in social income: Medical insurance is divided into social insurance medical care and commercial insurance, which can be used to adjust the difference in income by collecting medical premiums and reimbursing medical service fees.

3. Maintain social stability: Medical insurance guarantees patients' medical treatment and solves economic difficulties, and helps to eliminate social unrest caused by diseases.

4. Solve the problem of medical expenses, because the cost of critical illness is expensive, medical insurance can reimburse reasonable expenses and reduce the medical burden.

5. There are value-added services, many insurance companies will have value-added services for millions of medical insurance, such as advance payment of medical expenses and critical illness green pass, among which advance medical insurance can solve the financial pressure at the beginning of medical treatment and hospitalization, and critical illness green pass provides medical convenience for patients with serious illnesses.

6. The premium is cheap, some medical insurance premiums on the market are relatively cheap, most of them are hundreds of yuan, and the insurance amount of millions of medical insurance is millions, but the same critical illness insurance is basically tens of thousands.

7. Wide range of protection, medical insurance has a wide range of coverage, unlike critical illness insurance, there is no clear disease limit, the scope of general medical insurance is general medical care refers to ordinary non-critical illness disease or accident protection, critical illness medical treatment is the medical expense protection generated by critical illness as agreed in the contract.

8. The guaranteed renewal time is long, and the million-dollar medical insurance in the medical insurance is usually one-year, but there are also many medical insurances that guarantee renewal, and some medical insurance can be guaranteed to be renewed for 20 years, which is equivalent to the renewal will not be affected by the claim, the change of the health of the body or the discontinuation of the product.

9. There is no restriction on the type of disease, there is no limit on the type of disease in the million medical insurance, and there is critical illness medical and non-critical illness medical insurance, which is equivalent to no matter what the disease is, as long as the cost is within the scope of the contract, it can be reimbursed.

It is not possible to transfer all the money paid into your personal medical insurance account for individual medical insurance. Generally, part of the money you pay will be transferred to your personal medical insurance account for your own use; Part of it should be included in the medical insurance pool** for all insured persons. If the medical insurance payment period is less than 25 years for men and less than 20 years for women at the time of retirement, it is necessary to pay the medical insurance premiums for the difference in years at one time before they can enjoy the medical insurance treatment of retirees.

It has nothing to do with what you say about 15 years.

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