What supplementary medical insurance can employees buy

Supplementary medical care is said to be relatively basic medical care, and it is decided by the employer and the individual voluntarily. After the basic medical care of the unit and the employee has been dealt with, the medical insurance items shall be appropriately increased according to the relevant needs of the unit or individual.

Corporate supplementary medical care, commercial medical care, social mutual aid and community medical care are all types of supplementary medical care, which can be said to be a powerful supplement to basic medical care. Like social security and commercial insurance, it has a complementary relationship, I won't say much here, if you want to know more, you can click here:Do I still need to buy commercial insurance if I have social security?

What's the difference between the two of them? 》

1.We pay for supplementary medical care once a year, you can pay this year, not next yearIt can be reimbursed in the year it is paid, and if it is not paid, it will not be reimbursed.

2.In normal medical treatment, the purchase of drugs and supplementary medical treatment can be reimbursedMedical reimbursement must be paid after three days of hospitalization.

3.Complementary medical care has a certain scope of reimbursementChildbirth, plastic surgery, etc. are not reimbursed, generally the company helps out half, and is responsible for half of it.

4.Supplementary medical care has already paid for friendsMedical records, lists, and invoices should be taken at the time of medical visits. If there are medical records and lists, they must be stamped so that the invoices can be reimbursed.

5.After that, bring your medical records, lists, and invoices to the Human Resources Department for reimbursementYou must fill in the relevant ** and provide the bank card number, and you can receive the reimbursement in about a month.

In order to let you have a comprehensive understanding, I have already prepared for you with medical insurance reimbursement related issues, for easy reference:Under what circumstances can medical insurance not be reimbursed? 》Hope!

Hello! Although social medical insurance can bring certain medical protection to employees, it cannot meet people's growing health security needs, so employees can purchase appropriate commercial insurance to supplement medical insurance.

If the unit wants to buy supplementary medical insurance for employees, it should first contact the insurance company, and then explain its own insurance needs, and discuss it. There are no special steps, just like a normal insurance policy. <>

I think it is a very heartwarming and intimate move for the company to consider purchasing this kind of supplementary medical insurance for employees.

Purchasing supplemental health insurance is not a difficult task. And there are many different types in it, so you don't need to be too nervous to buy a unit. The staff of the insurance company will introduce you to the good ones, and the arrangements are clear.

This is not much different from the purchase of medical insurance, it may be that you need to choose again in terms of ** and content. <>

Supplementary medical insurance for enterprises.

What is it? In the encyclopedia, it refers to a form of supplementary medical insurance organized by enterprises on the basis of participating in the basic medical insurance for employees and the overall planning of large medical expenses, and the state gives policy encouragement and is also an important part of the national medical security system.

The essence of supplementary medical insurance is the same as that of medical insurance, both of which are introduced to benefit the people. It is the risk transfer of enterprises while protecting employees. Because of the supplementary medical insurance, once the employee has an accident, the company's compensation pressure will be reduced.

The overall risk liability is reduced. Moreover, this behavior is conducive to maintaining the corporate image and strengthening the cohesion of the company's employees.

Moreover, it is a kind of help for the future development of the enterprise, and it is a long-term decision. It can be said to be a win-win choice. <>

However, supplemental health insurance is not available to all companies. Rather, it is something that some companies (mostly large enterprises) will consider. After all, if an enterprise wants to become bigger and stronger, the basic comfort and company welfare will definitely not be bad. But that's not about small businesses.

will not do anything, but will mean that their benefits and supplementary medical insurance will not be as detailed as those of large corporations.

In any case, supplementary medical insurance is a win-win choice for both employees and enterprises!

However, Hengzhou went to the medical insurance department, increased the amount of insurance on the original basis, and instructed the staff to increase the type of insurance, and explained to the staff that the relevant fees could be paid to pay the attention.

You can find a reliable insurance company, and then negotiate with them to buy this kind of insurance from Alexandria, which is better for employees to change their skills, and have a good protection.

Be sure to go to the medical insurance center to apply for it, you can go here for a consultation in advance, and then prepare your personal information.

Hahaha, if my guess is correct, you should have regarded the supplementary medical insurance paid by the company as a benefit. For example, the limit for supplementing medical medicine for a year is 10,000 yuan, and you want to use this 10,000 yuan to prescribe more medicines, such as cold medicines, anti-inflammatory drugs, and even some tonic medicines that nourish yin and yang, and put them at home in case of emergency. Right?

If you think so, then you have completely misunderstood Wang Socks for this supplementary medical treatment.

First of all, the company's supplementary medical care is essentially a kind of commercial medical insurance, which is reimbursement insurance in nature, which means that how much expenses are incurred, you first have to go out of trouble and take money, and then you can find an insurance company for reimbursement.

Secondly, it is necessary to correctly understand what the sum insured of 10,000 yuan means. The insured amount of 10,000 yuan does not mean that this is a 10,000 yuan shopping card, you can use it as you want. The premise is that you are really sick and have been confirmed by a doctor.

Well, now let's assume that you are indeed sick, such as a cold, and the doctor prescribes medicine to you in the medical record, and he prescribes you 5 boxes of cold medicine. No doctor will prescribe 100 boxes of cold medicine for you, first, there are many restrictions on doctors prescribing medicine now, and second, this is not logical at all, do you think that the insurance company will not suspect at all when it sees the dazzling 100 boxes of cold medicine on your medical records and list?

Clause. 3. The occurrence of expenses (including drug costs and ** fees) must be reasonable and necessary. What is reasonable and necessary, for example, if you have a cold, you should be prescribed cold medicine, not stomach medicine, and it is unlikely to be a tonic (medical insurance is expressly not allowed to prescribe tonic medicine).

Finally, I would like to ask, is your company's complementary medical treatment purely inpatient? Or inpatient + outpatient?

If your company's complementary medicine is only for hospitalization, then it will be a problem for you to prescribe a few boxes of common cold medicine, let alone others.

Lawyer's analysis: Retired employees do not need to pay the medical insurance for the sick of Daqichang, and the medical insurance for the serious illness will be deducted from the medical insurance account in January every year, so there is no need to pay it separately. Critical illness medical insurance is a necessary supplement to basic medical insurance.

All units and their insured employees who participate in the basic medical insurance for employees of government agencies and institutions must participate in the serious illness medical insurance for employees. Daxun Closed Disease Medical Insurance is organized and implemented by the Medical Insurance Center.

Legal basis]:

Notice of the People's Office of Anyang City on Adjusting the Serious Illness Medical Insurance Policy for Urban Employees》 Article 1 In order to further improve the medical insurance policy for urban employees in our city and improve the level of medical security for insured personnel, the city has decided to adjust the cap standard for reimbursement of serious illness medical insurance for employees to 400,000 yuan per person per year; The financing standard of serious illness medical insurance for employees is adjusted to 130 yuan per person per year, and 130 yuan is paid for insurance in the middle of the overall planning year.

1. Is it necessary to buy supplementary medical insurance for employees?

Supplementary medical insurance for employees, if it can be purchased, then the insurance will definitely be more comprehensive, so from the perspective of insurance, it is still more recommended to participate in insurance. As a supplementary form of employee social security, supplementary medical insurance for employees does have its necessity.

To put it simply, we all know that the medical insurance in the social security is limited by the social security catalog and the sealing line, if the medical expenses incurred are not within the scope of the social security catalog, or the reimbursement has reached the ceiling line, in these cases you need to pay out of pocket, there will be greater economic pressure on the insured. However, if the supplementary medical insurance for employees is increased, then both in the scope of reimbursement and in the amount of reimbursement, there will be an increase.

2. What is the significance of supplementary medical insurance for employees?

1. Solve the worries of employees.

Although the basic medical insurance of social security is developing and improving year by year, after all, it takes a long time to change. However, today's work rhythm is fast, the pressure is also high, and the medical demand is even higher, and the supplementary medical insurance for employees can play a good buffer role, solve the worries of employees, and can work hard at work.

Supplementary medical insurance is a powerful supplement to basic medical insurance compared with basic medical insurance, and it is also an important part of the multi-level medical security system. Consumers pay a certain amount of insurance premiums, and in the event of a critical illness, they can receive a certain amount of medical expenses from the insurance company.

Medical insurance adjusts income differences by levying medical insurance premiums and reimbursing medical insurance service fees, which is an important means of income redistribution. Medical insurance provides economic help to sick workers, helps to eliminate the factors of social instability caused by illness, and is an important social mechanism for adjusting social relations and social contradictions.

Accident medical insurance.

This type of insurance is responsible for the medical expenses incurred by the insured due to accidental injuries as an additional liability for accident insurance. The sum insured can be the same as the basic insurance or can be agreed separately. Generally, medical insurance premiums are paid by compensation, not only to stipulate the insurance amount, that is, the payment limit, but also to stipulate the first period.

Hospitalization medical insurance.

This type of insurance is responsible for the medical expenses incurred by the insured when he needs to be hospitalized due to illness or accidental injury**, and is not responsible for the outpatient medical expenses of the insured.

Medical insurance for surgery.

This type of insurance is a single medical insurance and only covers the medical expenses incurred by the insured person for the surgery, whether it is an outpatient surgery** or an inpatient surgery**. Surgical medical insurance can be covered separately or as an add-on to accident or life insurance.

In the case of surgical medical insurance paid in the form of compensation, only the amount of insurance is specified as the maximum cumulative benefit limit, and in the case of fixed-amount surgical medical insurance, the insurance company only pays a fixed amount of medical insurance premiums according to the type of surgery performed by the insured.