Should I pay for medical insurance? What are the changes in benefits?

Should I pay for medical insurance? What are the changes in benefits?

Resident medical insurance is a social medical insurance mainly for those who have not paid employee medical insurance. Its purpose is to establish a multi-level, wide-coverage and sustainable medical security system, so that the sick can receive medical security and prevent the occurrence of emergencies such as returning to poverty due to illness and poverty due to illness.

As we all know, urban workers have employee medical insurance, and rural residents have resident medical insurance. Although the payment methods and reimbursement amounts of the two are different, they are both to ensure the medical treatment of the general public. In 2021, the biggest feeling of the people is that the price of resident medical insurance has increased again, and it is now charged at a minimum of 320 yuan per person per year.

However, according to industry insiders, it's more worth the effort.

The scope of reimbursement for residents' medical insurance has been expanding, and the number of special outpatient diseases has been increasing. On the basis of including 15 diseases such as outpatient radiotherapy and chemotherapy for malignant tumors, dialysis for chronic renal failure, diabetes, and hypertension (high-risk) into the scope of outpatient chronic diseases and special diseases, the scope of diseases has been expanded in combination with the income and expenditure of local medical insurance and the spectrum of local diseases. Within the scope of the policy, the proportion of medical insurance payment for urban and rural residents** shall not be less than 50% in principle.

Since the main participants of urban employee medical insurance are urban in-service workers, flexible employment personnel or those who do not have urban and rural residents' medical insurance, they want to pay urban employee medical insurance. Due to the influence of factors such as payment standards, payment periods, and household registration restrictions, people who do not have employee medical insurance have one more choice of medical insurance, which is to pay medical insurance for urban and rural residents. The main advantage of medical insurance for urban and rural residents is that the payment standard is relatively low, and the state has subsidies and can enjoy certain reimbursement treatment.

It is also a kind of medical insurance that is more suitable for most urban and rural residents.

Those who have participated in the basic medical insurance for urban and rural residents shall participate in the serious illness insurance for urban and rural residents at the same time, and the individual will not pay separately. After the basic medical insurance for urban and rural residents is paid according to the provisions of the basic medical insurance for urban and rural residents, the medical expenses within the scope of the policy borne by the individual in the annual cumulative amount exceed the standard payment standard of critical illness insurance, and the critical illness insurance shall compensate for it.

I think that resident medical insurance should be paid, because resident medical insurance is still very strong for future life security; There have been great changes in the treatment and security, first of all, they have enjoyed the reimbursement of hospitalization expenses of basic medical insurance, the treatment of outpatient reimbursement of resident medical insurance, outpatient reimbursement of special diseases and chronic diseases, and the insurance treatment of serious illness reimbursement.

I think resident medical insurance should still be paid; The changes in treatment and security include that the medical reimbursement ratio has reached 50% to 80%, and you can also enjoy the reimbursement of some chronic disease outpatient clinics and special disease outpatient services, and you can also be reimbursed if you take medicine, and you can also be reimbursed in the event of a major illness.

It should be paid, resident medical insurance can play a role in guaranteeing, if there is no medical insurance, it is very stressful for the family after getting sick. Now the **** of medical insurance has become 320 yuan, the scope of reimbursement is getting larger and larger, and the policy of resident medical insurance is becoming more and more perfect, even if you go to the outpatient clinic, you can use medical insurance.

It should be paid, there are more and more subsidies, which can ensure the level of reimbursement, and you can also participate in insurance in other places, the payment standard has changed, and the insured can get financial subsidies.

The medical insurance payment for urban and rural residents follows the principle of freedom, and everyone can decide whether to pay or not, and the medical insurance for urban and rural residents is paid once a year, and they can enjoy the rights and interests of lifelong protection if they do not pay for many years. Moreover, the cost of urban and rural medical insurance is relatively low, and the reimbursement ratio enjoyed by hospitalized and sick users is also lower than that of employee medical insurance. 2.

However, if the payment is not made for one year, it means that the user will not be able to enjoy the urban and rural medical insurance coverage in this year. Urban and rural medical insurance is a new type of rural cooperative medical insurance system. According to the national standard, the medical insurance for urban residents is paid annually for one year.

If there is a specified time for the new rural cooperative medical care, the payment will no longer be accepted after the time limit. I hope mine can help you.

It is necessary to pay for resident medical insurance, and if you do not buy it, it will be detrimental to your life, as follows:

1. Affect the reimbursement of hospitalization, if you continue to pay, as long as the reimbursement standard is reached, a certain percentage of medical expenses will be reimbursed, and if you stop paying, you will lose the right in this regard;

2. Buy medicine at your own expense. If you pay it, the insurance card will be invalid, and you can only pay for the medicine at your own expense;

3. It will affect the subsequent surrender of NCMS. If you pay every year, you will have a good record in NCMS, and if you break the payment in the middle, it will be more troublesome to renew it in the future, and you may need relevant proofs.

Procedures: 1. Apply for and actively pay cooperative medical fees;

2. The village committee reviews and submits the fund-raising roster and fund-raising bills to the town management station;

3. The town joint therapy office will review, review the financing form of the joint therapy, and apply for a visa to the county joint treatment center;

4. After the county joint therapy management center reviews and verifies that it is correct, it will apply for a visa, stamp, log in, and confirm.

The payment methods for rural cooperative medical care are as follows:

1. The insured person shall go to the designated place to register with the "New Rural Cooperative Medical Certificate" and "Hukou Book";

2. The insured person shall go to the township NCMS agency to pay the fee.

Legal basisArticle 24 of the Insurance Law of the People's Republic of China.

After making an assessment in accordance with the provisions of Article 23 of this Law, the insurer shall, within three days from the date of making the verification, issue a notice of refusal to compensate or refuse to pay the insurance money to the insured or beneficiary if it is not an insurance liability, and explain the reasons.

Article 25.

If the amount of compensation or insurance money cannot be determined within 60 days from the date on which the insurer receives the request for compensation or payment of insurance money and the relevant certificates and materials, it shall pay the amount that can be determined according to the existing proof and materials; After the insurer finally determines the amount of compensation or insurance money to be paid, it shall pay the corresponding difference.

Resident medical insurance needs to be paid all the time, as follows:

1. Medical insurance must be paid continuously and effectively, and the waiting period is not normal to enjoy ** and other restrictions, and the function of paying medical insurance reimbursement is very strong, and it will stop when it is broken. Medical insurance requires continuous payment, medical insurance needs to be paid for 15 consecutive years, and medical insurance services can be enjoyed after retirement. If you don't plan to find a new job in the near future, or if you can't find a suitable job, make sure you pay flexible employment social security;

2. The suspension of medical insurance may affect the reimbursement of hospitalization expenses, and if the suspension time is extended, it may be suspended. The deadline for domestic medical insurance payment is time-limited and varies from place to place.

Legal basisArticle 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 can participate in the basic medical insurance for employees, and the basic medical insurance premiums shall be paid by the individual in accordance with national regulations.

Article 25.

The State shall establish and improve a 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 **.

You started to pay the basic medical insurance for urban residents in 09, right?! The annual contribution varies from 100 to 300, and the subsidy varies according to the economic situation of the local street.

If you now pay 80 per month, it should be the basic medical insurance for urban employees, and you don't have to pay until you retire. If you meet the conditions after retirement, you can enjoy post-retirement medical insurance benefits.

If you have been paying social security before, I suggest that you pay the basic medical insurance for urban employees. The main considerations are as follows:

1. The basic old-age insurance for urban employees has a higher reimbursement ratio than that for residents.

2. After reaching the retirement age, urban employees do not need to continue to pay, and they can also enjoy treatment. However, resident medical insurance must be paid continuously.

3. After reaching the retirement age, there will be a monthly rebate from the personal account for the purchase of medicine and hospitalization.

It is cost-effective to pay for employee medical insurance.

According to the current basic medical insurance policy, when the retirement age is reached, the male insured person must pay for 30 years and the female insured person must pay for 25 years. If the prescribed number of years of medical insurance payment is not reached, it can be liquidated in a lump sum when retired.

The scope of medical insurance is very wide, and medical expenses are generally differentiated according to the characteristics of medical services, mainly including doctors' outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospital miscellaneous expenses, surgery costs, various examination costs, etc. Medical expenses are the various expenses incurred by patients for medical treatment, which include not only doctors' medical expenses and surgical expenses, but also the costs of hospitalization, nursing, hospital equipment, etc.

Hello answer. It's hard to say which one is better, it depends on which one you are more suitable for. Personally, I think that the basic medical insurance for self-paid urban employees is more appropriate. Let's compare and analyze the advantages and disadvantages of each:

The characteristics of basic medical insurance for urban residents are: once a year, about 100 yuan, and the payment is small. But reimbursement is possible.

Question: At present, the medical insurance for urban residents costs 4oo yuan a year.

Those who have participated in the basic medical insurance for urban and rural residents will participate in the serious illness insurance for urban and rural residents at the same time, and the individual will no longer have to pay the premiums. After the basic medical insurance for urban and rural residents is paid according to the provisions of the basic medical insurance for urban and rural residents, the medical expenses within the scope of the policy borne by the individual in the annual year exceed the standard payment standard of critical illness insurance, and the critical illness insurance will be compensated by the critical illness insurance.

There will be an increase in medical insurance, and it will bring a greater financial burden to people, and it will also affect people's medical insurance payment, and it will also affect personal protection, and personal premiums will also be improved.

The economy has been improved, the cost has been improved, the rights and interests of the protection have been improved, and they can better protect their lives.