There are various types of medical insurance, and what are the types of 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 based on the state and societyLaws and RegulationsA social insurance system established to cover the basic medical needs of workers in the event of illness.

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. There 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 premiums, and in the event of a critical illness, they can receive 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.

Legal basis

Article 23 of the Social Insurance Law of the People's Republic of China 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. 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.

1. Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses incurred by the patient in the hospital are reimbursed by the insurance company, and reimbursement medical insurance means that the patient has been diagnosed by the hospital with a disease listed in the contract.

2. Allowance payment type: In short, the allowance payment type medical insurance is a medical insurance that the insurance company pays the insurance money to the insured on a time, daily or project basis in accordance with the subsidy standard stipulated in the contract. Claims are not related to the actual medical expenses incurred and no invoice is required.

3. Expense type: Expense type medical insurance is based on the actual medical expenses incurred by the customer according to the insurance amount agreed in the policy. The purpose is to compensate the customer's medical expenses, and the customer needs to issue an outpatient or hospitalization invoice when making a claim, and the scope of the claim is basically the same as that of "social security".

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.

There are two types of medical insurance: traditional medical insurance and commercial medical insurance.

Whether it is social security or commercial insurance, the combination of the two is the best protection, see here: "Which is the best medical insurance?" That's right!

1.Traditional health insurance.

Medical insurance is the basic guarantee of people's livelihood and one of our medical benefits. There are three main types:

1) Employee medical insurance, applicable to the population is in-service personnel, regardless of the type of household registration. During the normal insurance period, hospitalization** or the purchase of drugs in the medical insurance catalogue can be used to the employee medical insurance, and after a certain period of payment, you can enjoy the medical insurance treatment for life.

2) Resident medical insurance, applicable to people with urban household registration and no work unit. The payment method is to pay for one year and renew the policy for life, and the premium will not increase due to age**.

3) NCMS, also known as New Rural Cooperative Medical Care, is applicable to people with rural household registration and no work unit. Similarly, it is also paid for one year of insurance, and the premium is basically fixed.

2.Commercial medical insurance.

Commercial medical insurance can also be divided into the following three categories according to the premium:

1) Low-end medical insurance: The premium is usually relatively low, and the insurance amount is not high, usually within 50,000 yuan, including small outpatient medical insurance, small hospitalization medical insurance, etc.

2) Mid-end medical insurance: Mid-end medical insurance not only covers the protection liability of millions of medical insurance, but also covers the liability of small medical insurance, which is not limited to hospitalization, but also supports outpatient reimbursement.

3) High-end medical insurance: High-end medical insurance is a product with VIP service, mainly for high-income and high-consumption people, with expensive premiums, which can comprehensively solve the problems caused by medical expenses.

Dad concluded that traditional medical insurance is our most basic medical protection, so don't forget to buy a medical insurance before applying for commercial medical insurance.

Medical insurance generally refers to basic medical insurance. It has three categories: commercial medical insurance, subsidized medical insurance, and expense-based medical insurance. Among them, commercial medical insurance is divided into two categories: reimbursement medical insurance and compensation medical insurance.

The reimbursement type in commercial medical insurance means that the medical expenses incurred by patients in the hospital are paid by the insurance company, which is generally divided into inpatient medical insurance and outpatient medical insurance. Indemnity medical insurance means that the insured is diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the insured** and nursing expenses according to the amount agreed in the contract.

Subsidy medical insurance refers to the medical insurance in which the insurance company pays the insured on a per-time, daily or project-by-project basis in accordance with the subsidy standard stipulated in the contract. The amount of the claim is not related to the actual medical expenses spent, and the insured person is not required to provide ** invoices.

Expense medical insurance is based on the actual medical expenses incurred by the customer according to the insured amount agreed in the policy. It is mainly to compensate the customer's medical expenses, and an outpatient or hospitalization invoice needs to be issued when making a claim.