What is the difference between having health insurance and not having health insurance?

If you are hospitalized with medical insurance, you can be reimbursed, and you can pay for hospitalization without medical insurance.

The easiest way to seek medical treatment: those who seek medical treatment outside of the country. The medical expenses should be borne by the third party, and if the third party does not pay or the third party cannot be determined, the basic medical insurance will pay in advance.

After the basic medical insurance** is paid in advance, it has the right to recover from a third party. There is no health insurance, only third-party payment.

If there is no third party, you will have to bear the full cost yourself.

The State shall establish and improve a basic medical insurance system for urban residents. In improving.

Hospitalization, this is the biggest difference, there is medical insurance will be reimbursed, although the reimbursement must reach the specified amount, the doctor who does not reach it will recommend that you take a few more drips, you feel that it is not suitable, but in the end it is beneficial to you, only when the amount is reached, you will be reimbursed, proportionally, and there is no medical insurance, you can only bear it all, although sometimes you bear less than the reimbursement spends, but this is not a guarantee, because you will not be able to do it in the future.

There is no difference between medical reform in place, except for serious illnesses, but now this medical interest drives the medical system in the dark era without medical insurance, and serious illness is a state of waiting for death, that is, there are good medical means but not within the scope of medical insurance, to put it bluntly, the medical system has raised the cost of ordinary inpatient diseases to a super high, squeezing the effective medical means of serious illnesses into the medical insurance system!

If you do not have a medical insurance card, you will bear the full amount of the expenses, and if you have a medical insurance card, you can be reimbursed for part of the medical expenses in accordance with the regulations.

What is the difference between having a health insurance card and not having a health insurance card? Let me give you a brief explanation, if we don't pay medical insurance, if we are hospitalized for a serious illness, the hospitalization fee will cost 60,000 yuan, which will all pay for these expenses, if you pay medical insurance, the 60,000 yuan spent on hospitalization may be reimbursed %70 to 80, such as not paying medical insurance, which we will not be able to afford to stay in the hospital if we have a serious illness in the future.

There is medical insurance, and hospitalization can be reimbursed in case of illness. If you don't pay medical insurance, you have to pay how much you have to pay for hospitalization when you get sick.

If you have a medical insurance card, you can be reimbursed for part of the medical expenses in accordance with the regulations, and if you do not have a medical insurance card, you can bear the full amount of the expenses.

Can't you understand something so obvious? If you have medical insurance, you can see a doctor for reimbursement, and you can pay out of pocket if you don't have medical insurance. ‍‍

If you have health insurance, have a respiratory disease, and have an occupational disease. You can rest assured that you can see a doctor in the intensive care unit for 4,000 yuan a day. If you don't have health insurance, haha. You're going to die.

It may not be useful for people who don't see a doctor often, but it is useful for people who see a doctor often, and it is better than nothing for people who often see a serious illness. But for people who don't see a doctor often, you don't know when you're going to get sick, and you can't help yourself when you get sick. Once you get sick, you don't have medical insurance, you don't have any savings, and you have to spread your hands, what are you going to do?

Before there was medical insurance, how many of the relatives and friends around were sick and willing to spend money on hospitalization (especially ordinary residents and farmers), and many people who were sick at that time were dead and reluctant to spend money on hospitalization. Later, with medical insurance, can most people afford to live in a hospital and afford to get sick?

There is a high-end atmosphere of medical insurance, and you can't afford to spend without medical insurance, and medical care is the highest level of consumption in the quality of life, which is more expensive than the bride price.

If you have medical insurance, you can buy a commercial medical insurance, and sometimes you don't have to spend a penny to see a doctor.

There is medical insurance to see a doctor, and there is no medical insurance to pay for it.

Having medical insurance is a protection for a cold and fever, a minor illness or something, and if there is a more serious disease, it is the same as not having medical insurance.

There is a general difference between medical insurance and minor illnesses, and if you give the same amount of money, the hospital income is 2-3 times more.

There is a medical insurance card**10 yuan, and there is no 50 yuan.

A serious illness returned to the pre-liberation period.

If you pay medical insurance, you don't have a medical insurance card.

1. Medical insurance: reimbursement of the self-paid part outside the medical insurance, if there is medical insurance, the commercial reimbursement medical insurance mainly compensates for the expenses paid by the medical insurance, and the reimbursement ratio is usually higher, and the reimbursement ratio is different for different insurance companies. For example, in the case of medical insurance, the reimbursement ratio of the remaining part of the medical insurance may reach 90%, while if there is no medical insurance, the reimbursement ratio may only be 75%.

2. No medical insurance: the expenses are paid according to a certain percentage, and if there is no medical insurance, it is reimbursed according to a certain proportion of the total amount of medical expenses. During the hospitalization, a total of 10,000 yuan of medical expenses must be paid, of which 5,000 yuan is reimbursed by the medical insurance, assuming that the remaining expenses are within the scope of the terms and conditions of the insurance company, the insurance company can pay 90% of the balance of the remaining expenses according to the terms, that is, 4,500 yuan, a total of 9,500 yuan can be reimbursed; However, under the condition of not participating in medical insurance, the insurance money can only be paid according to 75% of the paid cost, that is, 7,500 yuan.

Medical insurance is not equal to social security, but only a part of social security, which is the abbreviation of medical insurance. Social security includes endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance. Social security is the abbreviation of social insurance, the main items of social security include pension social insurance, medical social insurance, unemployment insurance, work-related injury insurance, maternity insurance, etc., medical insurance is the abbreviation of medical insurance, it is the social insurance that provides necessary medical services or material help by the society or enterprises when employees are sick, injured and maternity.

What is the difference between a social security card and a health insurance card?

The differences between a social security card and a medical insurance card are as follows:

1. The concept is different, the social security card is referred to as the social security card, which is issued by the local human resources and social security departments to the society and is used for the integrated circuit card in various business fields of human resources and social security. The medical insurance card or medical insurance card is a special card for the personal account of medical insurance, with the personal ID card as the identification code, and the storage wheel records the personal ID number, name, gender, and the allocation of account funds, consumption and other detailed information;

2. The functions are different, the social security card not only has the function of a medical insurance card, but also an important voucher for handling various social security businesses, such as receiving unemployment benefits and so on. However, the medical insurance card is limited to medical insurance functions and can only be used to enjoy medical insurance benefits;

3. The place where the card is issued is different, the medical insurance card is undertaken by the local designated bank, and the social security card is issued by the local human resources and social security departments to the society;

4. The security performance is different, the social security card has adopted a unified three-layer key management system, and its security and reliability have passed the national acceptance, which can truly make the social security card become a security card and a reassuring card for the insured, and also lay a good foundation for the future realization of cross-provincial national generalization; The medical insurance card does not have this management system, and the safety factor is low;

5. The social security card is more widely used, the social security card will be widely used in various human social security businesses, and can be used as a financial debit card, and the medical insurance card is only used as a medical insurance settlement voucher;

6. The performance of the social security card is more stable, and the performance of the social security card is more stable than that of the medical insurance card using magnetic stripe medium due to the use of integrated circuit chips, which is not easy to damage and is more secure.

[Legal basis].Article 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 5. The people at or above the county level shall include social insurance 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.

<> only pay endowment insurance without paying medical insurance, there will be no medical insurance account! Because now social security and medical insurance are handled separately, the social security bureau only handles endowment insurance, work-related injury insurance, unemployment insurance and maternity insurance, while the medical insurance bureau is only responsible for medical insurance, so you can't find medical insurance in the social security you pay, and it doesn't include medical insurance.

From the second half of 2021, the Social Security Bureau and the Medical Insurance Bureau will be separated, and the payment of social security is also the payment of pension insurance, unemployment insurance and work-related injury insurance, and there is no maternity insurance. Medical insurance exists as a separate type of insurance, which is separate from social security. Therefore, the social security paid now does not include medical insurance, but it is also required to be purchased by both units and individuals.

Social security is the abbreviation of social insurance, and the main items of social insurance include pension social insurance, medical social insurance, unemployment insurance, work-related injury insurance, maternity insurance, etc., which is the "five insurances" in the "five insurances and one housing fund" that we often say. Of course, if medical insurance and maternity insurance are combined, the "five insurances" will become "four insurances".

Medical insurance is the abbreviation of medical insurance, which is a social insurance in which employees are provided with necessary medical services or material assistance by the society or enterprises when they are sick, injured or given birth. The medical expenses of employees are jointly borne by the state, units and individuals, so as to reduce the burden on enterprises and avoid waste.

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Whether there is medical insurance means asking whether the insured person has participated in the basic medical insurance for employees or the medical insurance for urban and rural residents. To apply for the issuance of a social security card, the following documents must be submitted:

1. Fill in the application form for the issuance and registration of social security card;

2. Explanation of the preparation for the issuance of social security cards;

3. The application field and the application file structure in the card that meet the requirements of the national unified specification;

4. The card face style designed according to the unified requirements;

5. Measures for the management and implementation of social security cards in the region;

6. Other materials required by the Ministry of Human Resources and Social Security.

The functions of the social security card are as follows:

1. Personal social security related information records, electronic vouchers and information inquiries, etc.;

2. Record the basic information such as the name, ID number, date of birth, gender, ethnicity, and household registration of the insured person;

3. Inquire about the payment of pension, unemployment, medical care, work-related injury and maternity insurance;

4. You can go to the hospital with the card, settle the personal account of medical insurance, and buy medicine at the pharmacy;

5. Handle social security matters such as medical care, unemployment, pension, work-related injury and maternity;

6. Inquire about the cumulative total amount of endowment insurance and medical insurance;

7. Handle social security affairs such as receiving pensions, register for job hunting and unemployment, apply for unemployment insurance money, apply for vocational training, etc.

[Legal basis].Article 2 of the Social Insurance Law of the People's Republic of China.

The State has established social insurance systems such as basic old-age insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so on.

Article 12. The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record it in the basic pension insurance pool**. Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Article 23.

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 33.

Employees shall participate in work-related injury insurance, and the employer shall pay work-related injury insurance premiums, and employees shall not pay work-related injury insurance premiums.

Article 44.

Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with state regulations.

Article 53.

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with national regulations, and employees shall not pay maternity insurance premiums.

If there is no medical insurance, the ways to apply for medical insurance are: if the worker has an employer, the employer will pay social security in accordance with the law, and the social insurance includes medical insurance, so there is no need to apply for it; If the worker does not have a employer, he or she can go to the Social Security Bureau to apply for social security as a flexible employee.

Article 23 of the Social Insurance Law.

Employees should participate in the basic medical insurance for employees in the spring, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state.

Individually-owned businesses with no regrets, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons can participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.