What are the types of medical insurance, and what types of medical insurance are available?

There are types of medical insurance: commercial medical and social medical care.

Social medical insurance is divided into basic medical insurance for employees, new rural cooperative medical system, medical insurance for urban residents, etc., and commercial medical insurance includes accidental injury medical insurance, hospitalization medical insurance, surgical medical insurance and disease insurance.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

Legal basis

Social Insurance Law of the People's Republic of China

Article 2: 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 protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth. Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may 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. Article 25 The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **. Article 31 According to the needs of management services, social insurance agencies may sign service agreements with medical institutions and drug business units to standardize medical services.

Medical institutions shall provide reasonable and necessary medical services to insured persons.

Hello, medical insurance includes social medical insurance and commercial medical insurance.

Social medical insurance: including employee medical insurance, resident medical insurance and NCMS.

Because of its welfare characteristics, it can only provide the most basic medical insurance.

Commercial medical insurance: mainly includes small medical insurance and million medical insurance.

Compared with social medical insurance, commercial medical insurance has a wider reimbursement scope and a higher reimbursement ratio.

For example, we often hear about the use of drugs in the medical insurance, which actually means that the medical insurance has a list of drugs every year, and only the drugs in that list can be reimbursed through the medical insurance.

Commercial medical insurance generally does not limit the use of social insurance drugs, so the scope of medication is expanded, and commercial medical insurance will generally keep up with the clinical needs and include some more advanced specific drugs into the protection.

In addition, there is a limit on the amount of reimbursement for social medical insurance, while commercial medical insurance often has a million sum assured.

According to statistics, the general cost of critical illness is about 300,000 yuan, and the cost of medical insurance can basically meet the needs of patients.

Generally speaking, commercial medical insurance is mainly to transfer the risk of serious illness for consumers.

Social medical insurance and commercial medical insurance are not a substitute relationship, but complement each other.

On the basis of social medical insurance, an additional commercial medical insurance can be configured to obtain more adequate medical protection.

I hope Daddy's is helpful to you.

Medical insurance is a type of insurance that compensates the insured after the outpatient or hospitalization behavior that meets the scope of insurance.

At present, there are two types of medical insurance in China: commercial medical care and social medical care.

Social medical insurance is divided into basic medical insurance for urban employees.

Medical insurance for urban and rural residents (including NCMS.

Wait. Commercial medical insurance can be divided into small medical insurance, mid-end medical insurance, million medical insurance, high-end medical insurance, etc.

1. Small medical insurance: It is usually used to cooperate with medical insurance to solve small medical expenses, that is, to deal with some small problems or bumps and accidents.

2. Mid-end medical insurance: the sum insured.

It is relatively high, with a low claim threshold, which can include reimbursement for medical expenses incurred in outpatient or hospitalization.

3. Million medical insurance: mainly reimburse the cost of large hospitalization**, whether it is caused by accident or illness, you can apply for reimbursement, and the medical insurance amount is as high as more than million. However, the outpatient expenses incurred by general diseases of this type of product cannot be reimbursed, and there is a higher deductible.

5,000 or 10,000 yuan).

4. High-end medical insurance: The most prominent feature is that you can enjoy high-end medical services and experience, that is, the premium is relatively expensive, and the insured can enjoy overseas medical treatment, senior wards, private high-end hospitals and other services. High-end medical insurance is mainly aimed at high-income and high-consumption people, which can comprehensively solve the problems caused by medical expenses.

Commercial medical insurance can be divided into comprehensive medical insurance, special disease medical insurance, accidental injury medical insurance, hospitalization medical insurance, and surgical medical insurance.

1. Comprehensive medical insurance: the protection provided is relatively comprehensive, and the insured will be reimbursed for hospitalization, outpatient, surgery and other expenses;

2. Special disease medical insurance: it is to provide consumers with the protection of specific medical items;

3. Accidental injury medical insurance: it is to compensate the medical expenses incurred by the insured due to accidents, including outpatient or hospitalization expenses;

4. Hospitalization medical insurance: compensation for medical expenses incurred due to accidents or illnesses that require hospitalization**;

5. Surgical medical insurance: a kind of compensation for the cost of surgery when the operation is carried out due to accident or disease.

Test your anti-risk index, experts will interpret it for you for free!

Medical insurance is an important social insurance that can help people cope with the risk of medical expenses and reduce their financial burden. At present, there are mainly the following types of medical insurance.

The first is basic medical insurance. Basic medical insurance is the most basic form of medical insurance, covering a wide range of areas, including basic medical insurance for urban and rural residents and basic medical insurance for employees. Among them, the basic medical insurance for employees is an insurance form in which the enterprise pays for its employees and the medical expenses are paid by the society.

The basic medical insurance for urban and rural residents is a medical insurance established by ** to compensate the medical expenses of insured residents.

This is followed by commercial medical insurance. Commercial medical insurance is a medical insurance provided by an insurance company that provides people with additional medical insurance coverage, including accident health insurance, illness medical insurance, etc. Commercial medical insurance usually requires a certain amount of premium to be covered at your own expense.

The third is supplementary health insurance. Supplementary medical insurance is a form of medical insurance provided on the basis of basic medical insurance, which can supplement the existing medical insurance to achieve more comprehensive medical protection. Supplementary medical insurance is usually provided by a business,** or social organization, and there is also the option to purchase commercial medical insurance as a supplement.

Finally, there is social welfare medical insurance. Social welfare medical insurance is a kind of Fuzhou infiltration-based medical insurance provided by the government of the government, mainly for the poor and special groups of medical security. Social health insurance is usually fully funded and provides free medical care.

Different forms of medical insurance cover different groups of people and scope, and people can choose corresponding medical insurance to protect their medical needs according to their actual situation. <>

From the perspective of China's medical insurance, the types of medical insurance mainly include commercial medical insurance and social medical insurance, and commercial medical insurance and social medical insurance have their own classification.

At present, the types of commercial medical insurance include commercial hospitalization medical insurance, commercial accidental injury medical insurance, commercial surgical medical insurance, and general commercial medical insurance. The general commercial medical insurance coverage is relatively comprehensive, including the coverage of the previously mentioned insurance. For a more detailed analysis of health insurance, click to read "Which is the best health insurance?"

That's right! 》

The types of social medical insurance include agricultural medical insurance, employee medical insurance, and resident medical insurance, which are all medical insurance implemented by the first and can provide the most basic medical security. Among them, agricultural medical insurance provides protection for agricultural residents, employee medical insurance provides protection for on-the-job workers, and resident medical insurance provides protection for urban residents.

In addition to the content of the insurance, according to the payment conditions, medical insurance can also be divided into benefit-based medical insurance and reimbursement-type medical insurance. Reimbursement medical insurance is more common, and employee medical insurance is also this model, when the insured pays medical expenses, you can rely on bills to reimburse medical expenses.

The benefit-based medical insurance is to pay the insurance money in the form of allowance, that is, once the insured needs **, the insurance company will pay the allowance according to the contract, which has nothing to do with the actual medical expenses.

It is recommended that the two types of medical insurance have more protection at the same time, and if you are not sure how to buy, you can consult Daddy Insurance, which provides the latest insurance information and problem solving, so that users can intuitively and clearly understand their policies. Daddy's consultants respond in real time, respond in a timely manner, answer all questions, ask questions at any time, and ask questions at any time.

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What are the types of health insurance?

1. Basic medical insurance for urban employees

The basic medical insurance for urban employees shall be jointly paid by the employer and the employee in accordance with the provisions of the state, and the medical insurance shall be established, and the medical expenses incurred by the insured personnel shall be given by the medical insurance agency to avoid or reduce the economic risks caused by the illness and so on.

2. New type of rural cooperative medical care

The new type of rural cooperative medical care and basic medical insurance for urban residents are combined with individual payment and subsidy, and the treatment standards are implemented in accordance with national regulations. In addition, the types of medical insurance in China also include commercial medical insurance, subsidized medical insurance, expense-based medical insurance and public-funded medical care.

3. Basic medical insurance for urban residents

The basic medical insurance system for urban residents (hereinafter referred to as resident medical insurance) is an insurance system for primary and secondary school students (including vocational high school, technical secondary school, technical school students), children and other non-employed urban residents who are not covered by the basic medical insurance system for urban employees.

It adheres to a low-level start, focusing on ensuring the serious illness medical needs of urban non-employed residents, and its first fund-raising is mainly based on family contributions, and appropriate subsidies are given. Insured residents pay basic medical insurance premiums according to regulations and enjoy corresponding medical insurance benefits.

What are the types of health insurance? The medical insurance stipulated by the state is roughly divided into three categories: employee medical insurance, resident medical insurance and new rural cooperative medical care.

Employee medical insurance is urban employee medical insurance, and resident medical insurance is urban residents' medical insurance. As a supplement to medical treatment, there are some areas that will have: special outpatient disease price limit (single disease lump sum) (single disease price limit), large medical insurance.

What are the types of health insurance? The medical insurance stipulated by the state is roughly divided into three categories: employee medical insurance, resident medical insurance and new rural cooperative medical care.

Employee medical insurance is urban employee medical insurance, and resident medical insurance is urban residents' medical insurance. As a supplement to medical treatment, there are some areas that will have: special outpatient disease price limit (single disease lump sum) (single disease price limit), large medical insurance.

The medical insurance for urban employees is mainly for incumbents and retirees, and in general areas, the reimbursement ratio for urban employees is the highest. Correspondingly, the payment is also relatively high. It is called on a monthly basis, and the incumbents bear a part by themselves, and the company bears a part.

Medical insurance for urban residents is generally for people who do not participate in urban workers, and some areas will cover children's medical insurance and college students' medical insurance, and the reimbursement ratio is slightly lower than that of urban employees. There are also many ways to pay, and in most areas you pay in units per year.

The new type of rural cooperative medical care is mainly for the rural population, and the reimbursement ratio is generally higher in the county or township-level health centers, and the reimbursement in the health center can reach up to 95%. Therefore, there will be some patients of the agricultural cooperative system, who come to the city to see a doctor, and basically do not look down on the doctor, one is because they are referred to a higher-level hospital, and the reimbursement rate is low, and the other is that some of the drugs are outside the catalog.

The price limit for special diseases refers to a certain disease, such as: appendicitis, cataract, gallbladder removal, ovarian tumor, etc. (different regions, some areas do not have a price limit). You are given a limited upper limit, and all expenses such as examination, hospitalization, drugs, materials, and ** time are a limited amount and are not allowed to be exceeded.

However, the price limit is generally only the basic **, for example, abdominal surgery will choose laparotomy instead of laparoscopy, because of the cost, for example: appendicitis 2700 in a certain place, including surgery, antibiotics, examinations and so on.

Large medical insurance, because basic medical insurance will have regulations on the upper limit, which is not allowed to be exceeded, but some diseases, such as pulmonary hypertension, may exceed the upper limit in a ** process, so there is a large medical insurance. In addition, this is a supplement to basic medical insurance, which is generally limited to the type of disease.

Hint: How many types of health insurance are there? In the face of different medical insurance groups, it can be roughly divided into employee medical insurance, resident medical insurance and new rural cooperative medical care, in addition, some areas also have special outpatient disease price limit (single disease lump sum) (single disease price limit), large medical insurance as a supplement.