Resident medical insurance has increased to 320 yuan per year, is there anyone who does not have to

Urban health insurance. The annual payment reaches 320 yuan, and many people will have the idea that they will not want to participate in this domestic medical insurance again. Because we have one thing in common, in fact, there are a lot of people, in fact, although they continue to pay every year.

This is the cost of medical insurance. However, most people don't actually get to see a doctor. Therefore, a considerable number of people feel that paying this medical insurance has no effect.

I don't think that's an idea. First of all, medical insurance is to ensure that everyone can enjoy a part of the medical insurance reimbursement ratio in the process of seeing a doctor.

The reimbursement ratio of domestic medical insurance should be around 50%, just as you form a medical expense of 20,000 yuan, you can use resident medical insurance to reimburse close to 10,000 yuan. It can well reduce the cost and pressure of everyone's out-of-pocket medical expenses.

However, many people are very healthy, so they can't produce the chance of seeing a doctor, and the time may really last for many years, and they don't see the chance of seeing a doctor, so they feel that paying this medical insurance is completely useless, I think this idea is redundant, I think it is more important to pay medical insurance to ensure that you have a safe one.

On the contrary, if you don't use medical insurance, it means that your body is healthy and healthy, and I think this is the most important point. If you see a doctor, then for yourself, you save hundreds of dollars, and the cost may be far more than these hundreds of dollars, or even reach countless dollars.

Therefore, from this point of view, we must still participate in a medical insurance for urban residents.

And this part of the payment of domestic medical insurance should be more than 300 yuan, in fact, it is not a part of the full amount of the payment due to the financial and ** financial subsidies are also given, about 600 yuan to 800 yuan per person per day to subsidize the salary, that is, you can enjoy a subsidy of 600 800 yuan for 300 yuan, which is very profitable for yourself, but if you do not pay the 300 yuan you pay, In that case, in fact, the subsidy salary of hundreds of dollars cannot be enjoyed.

Who can be exempt from paying for urban resident medical insurance? It is true that there are some such groups, but such groups are minorities, and most of us still have to pay social security contributions normally.

to be able to experience the normal reimbursement of medical insurance. The group that is completely exempted from paying expenses is the key to covering some families in difficulty under the urban subsistence allowance policy. There are also some low-income households in rural areas.

Crowd and five-guarantee households.

are exempt from paying the self-payment of medical insurance for urban residents. However, this part of the group is actually a very small minority, and most people must pay social security normally, so if you are not exempt from payment, you will need to take out more than 300 yuan every year to pay this fee.

No one can pay it, and the resident medical insurance can guarantee that the expenses can be reimbursed in the process of seeing a doctor, and if your expenses in the hospital reach 20,000 yuan, you can probably reimburse 10,000 yuan of expenses, which will reduce the cost of residents.

If it is urban and rural residents' medical insurance, there is no need to pay, and once there is any disease in the follow-up process, there is no way to enjoy medical insurance, so you should not easily choose such a model.

If you want to enjoy the benefits of medical insurance, you must pay medical insurance, and if you don't pay medical insurance, you can't be reimbursed when you get seriously ill.

1.To reduce the cost of illness, the state can subsidize hospitalization costs and basic outpatient expenses.

2.When encountering a serious illness, you can dare to treat the disease and reduce the problem of not daring to seek medical treatment.

Hello, the main benefits of medical insurance are: First, the financial subsidy for residents' medical insurance has also been increased at the same time, and the per capita financial subsidy standard for residents' medical insurance has increased by 30 yuan to no less than 580 yuan per person per year. The individual payment is 320, the financial subsidy is 580, and the total payment is 900, and the proportion of financial assistance is 64%, which is multiple of the individual payment.

Second, the treatment of residents' medical insurance is improved, and the financing standards of residents' medical insurance are improved, and the medical insurance treatment will naturally be more perfect. According to the requirements of the notice, the level of protection for hospitalization treatment will be further consolidated and stabilized, and the proportion of **payment within the scope of the policy will be stable at about 70%. Regions with conditions can explore the inclusion of chronic diseases such as cardiovascular and cerebrovascular diseases in the scope of chronic disease insurance, and give full play to the role of medical insurance in promoting early diagnosis and early treatment of chronic diseases.

Third, the threshold for participating in insurance is lowered and household registration restrictions are relaxed. The household registration restrictions on participating in basic medical insurance will be further relaxed, and for those who hold residence permits to participate in local residents' medical insurance, all levels of finance will give subsidies according to the same standards as local residents. In other words, you can participate in the local residents' medical insurance with a residence permit, and the standard of financial assistance you enjoy is the same as that of local residents.

Fourth, there is no longer a waiting period for these cases. The notice makes it clear that there is no waiting period for those who participate in the resident medical insurance during the centralized insurance period, those who participate in the resident medical insurance within 3 months of the interruption of the payment of the employee medical insurance, as well as special groups such as newborns and low-income rural populations.

First, in outpatient clinics, a portion of the expenses will be reimbursed proportionally after the threshold fee is reached. Second, when you are hospitalized, there will also be a corresponding reimbursement ratio to reduce the burden. Third, when you go to the pharmacy to buy medicine, you will be reimbursed for part of the cost of the medicine, which is cheaper than paying for it yourself.

When you see a doctor and take medicine, you can reimburse part of the expenses, reduce the economic pressure caused by illness, and benefit the people very much.

Is it not only for one year to pay 320 yuan this year and the resident medical premiums paid before, and if you don't prescribe medicine for one year and don't see a doctor, will it become a cost to help others? You won't have a penny in your account?

The usage is as follows:

The annual medical insurance of 320 yuan is the medical insurance for urban and rural residents, generally only the overall account, no personal account, this kind of medical insurance card has no money, can only be used when hospitalized. That is, after the insured person is enrolled, during the period of illness or hospitalization, the outpatient expenses of hospitalization and special diseases that meet the requirements can be compensated for medical expenses.

Medical insurance for urban and rural residents is a project to benefit the people, regardless of age, whether residents are healthy or not. The funds raised are borne by both the financial and the individual.

The full name of medical insurance is called social medical insurance, which is the insurance that the company helps itself to purchase from the state, which can not only reimburse drug expenses, but also various examination and hospitalization expenses. The medical insurance is divided into two accounts, the personal account, the money reflected in the medical insurance card, can be used to buy drugs in designated pharmacies, the payment of outpatient expenses and the payment of the self-paid part of hospitalization expenses; The overall account is managed by the medical insurance center, and the expenses incurred by the insured persons in line with the local medical insurance reimbursement are paid by the overall account.

Legal basis: Insurance Law of the People's Republic of China

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Article 30 The following medical expenses are not included in the scope of payment of basic medical insurance**

1) It should be paid out of work-related injury insurance**;

2) It shall be borne by a third party;

3) It should be borne by public health;

4) Seeking medical treatment outside the country.

Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Summary. Hello dear, the 320 yuan medical insurance card paid every year is used as follows: 1. It can be used to reimburse the cost of hospitalization, and the 320 yuan medical insurance card paid every year is what we call the medical insurance for urban and rural residents, that is, after the insured participates in the insurance, during the illness or hospitalization, the outpatient expenses of hospitalization and special diseases that meet the requirements can be compensated for medical expenses.

2. Risk reduction: The medical insurance for urban and rural residents adopts a combination of individual payment and subsidy to reduce the medical risk of non-in-service employees and ensure the living welfare of urban and rural residents. 3. Provide physical health protection

When the insured person is in good health, the premium paid can be used to help other insured patients. 4. Reduce the burden of expenses: For ordinary people, they need a first expense when they are sick, and part of the expenses can be reimbursed when they are sick and hospitalized to reduce the burden of expenses, especially when they are seriously ill.

5. The threshold is low and there is no age limit, and there are no strict insurance requirements for medical insurance, whether it is sick or age, and the insurance method is also very simple, and urban and rural medical insurance township cooperative medical points can also pay.

Hello dear, the annual payment of 320 yuan medical insurance card is used as follows: 1. It can be used to reimburse the cost of hospitalization, and the 320 yuan medical insurance card paid every year is what we call urban and rural residents' medical limb and spinal insurance, that is, after the insured person participates in the insurance, during the illness or hospitalization, the outpatient expenses of hospitalization and special diseases that meet the requirements can enjoy the compensation of medical expenses. 2. Risk mitigation:

The medical insurance for urban and rural residents adopts a combination of individual payment and subsidy to reduce the medical risk of non-in-service employees and ensure the living welfare of urban and rural residents. 3. Provide physical health protection: When the insured is healthy, the insurance premium can be used to help other insured patients.

4. Reduce the burden of expenses: For ordinary people, they need a first expense when they are sick, and part of the expenses can be reimbursed when they are sick and hospitalized to reduce the burden of expenses, especially when they are seriously ill. 5. The threshold is low and there is no age limit, and there are no strict insurance requirements for medical insurance, whether it is sick or age, and the insurance method is also very simple, and urban and rural medical insurance township cooperative medical points can also pay.

Hello dear, medical insurance generally refers to medical insurance. Medical insurance generally refers to the basic medical insurance, which is a social insurance system established to compensate workers for the 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.

I will still continue to pay, although the medical insurance is ****, but it is more convenient and reassuring to have medical insurance in hand.

After all, paying medical insurance is a kind of protection for yourself, and it can also reduce your own capital costs.

If you don't pay it if the noise rises, isn't this angry? Whether to pay or not to pay is a personal will, and it will not cause harm to others, this is just a phenomenon of being responsible for one's own recklessness, and it is one's own interests that will be damaged in the end.