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

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.

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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 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. <>

Medical insurance includes: general medical insurance, comprehensive medical insurance, hospitalization insurance, etc.

1. General medical insurance.

General medical insurance refers to the general medical expenses provided by the insurance company to the insured in the event of ** illness, including outpatient expenses, examination expenses, medical expenses, etc. General medical insurance has a low premium cost and is more suitable for the general public.

2. Comprehensive medical insurance.

Comprehensive medical insurance refers to the insurance company to provide a relatively comprehensive medical expense insurance for the insured, including medical, operational, hospitalization and other expenses. The cost of this insurance policy will be higher. In general, a lower deductible will be determined along with an appropriate contribution ratio.

3. Hospitalization insurance.

Generally, the cost of hospitalization is often relatively high, so the hospitalization cost will be treated as a separate insurance. Among them, the cost items of hospitalization insurance mainly include surgery costs, daily hospitalization expenses, hospital equipment expenses, medical expenses, etc. The cost of hospitalization insurance will be affected by the length of the hospital stay.

Medical insurance coverage

Broadly speaking, the scope of medical insurance mainly refers to the population covered by medical insurance and the specific degree of medical protection enjoyed by the broad group of people. For example, China's basic medical insurance system for urban workers stipulates that "all urban employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, and private car enterprises), government agencies, public institutions, social organizations, private non-enterprise units and their employees, must participate in basic medical insurance."

In a narrow sense, health insurance coverage is usually defined in terms of both the scope of medical insurance liability and the medical insurance exclusions. For example, in Germany, social health insurance covers medical services such as outpatient**, dental** (including maxillofacial surgery**, denture provision), provision of medications, bandages and aids**, home medical care and household help, hospitalization**, replacement of materials, psychological and functional**, and work capacity**.

General medical deficiency insuranceThis type of insurance is the most extensive type of insurance liability in medical insurance, which is responsible for the outpatient medical expenses and inpatient medical expenses of the insured due to illness and accidental injury. General medical insurance is generally underwritten in groups or as an additional liability to individual long-term life insurance, and medical insurance benefits are generally paid in the form of compensation, with a maximum limit for each time. Accident medical insurance is responsible for the medical expenses incurred by the insured due to accidental injury as an additional liability of accident insurance.

The sum insured can be the same as the basic insurance or can be agreed separately. Generally adopted. Hospitalization medical 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 insured's outpatient medical expenses.

Surgical medical insurance is a single type of medical insurance, which only covers the medical expenses incurred by the insured as a result of the operation, whether it is an outpatient surgery** or an inpatient surgery**.

Medical insurance can generally be divided into hospitalization medical insurance, million medical insurance, mid-end medical insurance and high-end medical insurance.

Daddy next analyzes these types of insurance in detail:

1. Hospitalization medical insurance.

Expenses incurred by the insured person due to hospitalization due to an accident or illness can be reimbursed through the hospitalization medical insurance, but it does not reimburse outpatient medical expenses.

Hospitalization medical insurance** is relatively low, and the deductible is also low.

2. Million medical insurance.

The reimbursement amount of million medical insurance is more than one million, which is characterized by low **, high insurance amount, and good cost performance. The average adult can leverage millions of medical insurance dollars with only a few hundred dollars a year.

Million Medical Insurance mainly provides reimbursement of the expenses of serious illnesses.

Although the cost performance of million medical insurance is good, but there are also disadvantages, we only understand the advantages and disadvantages of this type of product, in order to choose the product more rationally.

3. Mid-end medical insurance.

Compared with the million-dollar medical insurance, the mid-range medical insurance has expanded and improved the outpatient reimbursement protection, and there is no longer a limit on outpatient expenses, such as daily colds and fevers.

4. High-end medical insurance.

High-end medical insurance has a higher sum insured and more comprehensive protection, but the corresponding premiums will also be more expensive.

5. Small medical insurance.

The insured amount of small medical insurance is generally 1-20,000 yuan, and the better products can reach 5-100,000 yuan.

Generally, small medical insurance is used to cover medical expenses that cost less, such as colds, fevers, pneumonia, and visits to the hospital.

Most of the small medical insurance on the market is around 300-700 yuan, but the product generally does not guarantee renewal.

In addition, due to the low sum insured of small medical insurance, it is not enough to see in case of a serious illness.

At this time, the role of million medical insurance is reflected.

With the development of medical insurance, there is now Huimin Insurance, which cooperates with relevant departments and insurance companies, which is also one of the types of medical insurance.

The above medical insurance, dad recommends millions of medical insurance, this kind of product is low, the amount of insurance is high, which can greatly reduce the financial burden caused by major diseases.

There are too many families who have spent all their savings because of ** critical illness, and the million medical insurance mainly covers critical illness, and the premium is not expensive, which is very suitable for us ordinary people.

Medical insurance is referred to as "medical insurance", and we often say "medical insurance" refers to basic medical insurance, which is a kind of economic compensation system of the state, in addition to commercial medical insurance underwritten by insurance companies. Let's do an analysis of what types of insurance are included in these two types of health insurance.

There are three main types of basic medical insurance:

Employee medical insurance: Employee medical insurance is for in-service employees, which is jointly paid by the employer and the employee, and is a compulsory insurance, which can enjoy medical insurance treatment for life after a certain number of years (depending on the province in various places, generally 15-25 years).

Resident medical insurance: The insured objects of resident medical insurance are urban minors and unemployed persons, and the insured generally pays the insurance by themselves to the local social security bureau.

NCMS Medical Insurance: The insured object of NCMS medical insurance is the unemployed persons with rural household registration, and the insured person generally goes to the civil affairs department of the township to handle the payment, which is a voluntary payment of insurance, and the insurance is paid for one year and one year.

There are three main types of commercial medical insurance:

Low-end medical insurance: The sum insured is usually less than 50,000 yuan, the sum insured is low, and it can only be reimbursed after social security reimbursement, and only hospitalization medical treatment can be reimbursed, and there may be a hospitalization allowance.

Mid-range medical insurance: includes million medical insurance, which is suitable as a supplement to critical illness insurance, and also includes small medical insurance, which can be reimbursed for both inpatient and outpatient treatment.

High-end medical department: to provide protection for the high-end people who are relatively wealthy, with high insurance amount, ** more expensive, can solve the problem of medical expenses more comprehensively, and can be purchased according to their own economic situation.

That's all for daddy, I hope it helps.

Basic medical insurance is a social insurance system established to compensate workers for economic losses caused by the risk of illness.

Through the use of the code to regret the unit and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance agency will give a certain amount of economic compensation to avoid or reduce the economic risk caused by the illness of the worker.

Basic medical insurance is one of the most important types of insurance in the social insurance system, which together with basic endowment insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., constitute a modern social insurance system. During the 13th Five-Year Plan period, China built the world's largest social security system, with basic medical insurance covering more than 1.3 billion people.

At present, China has established a basic medical insurance system for urban workers, a new rural cooperative medical system, and a basic medical insurance system for urban residents. Among them, 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 insurance agency shall give certain economic compensation after the medical expenses incurred by the insured personnel in illness, so as to avoid or reduce the economic risks caused by the illness of the workers. 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.

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 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 9 Trade unions shall safeguard the legitimate rights and interests of employees in accordance with the law, and shall have the right to participate in the study of major social insurance matters, participate in the social insurance supervision committee, and supervise matters related to the social insurance rights and interests of employees.