Insuring health insurance has the function of providing income protection and supplementary medical insurance. The specific analysis is as follows:
1, providing income security for the insured can reduce people's risk losses caused by diseases, reduce the economic burden of families and provide health protection for people.
2. Supplement the deficiency of medical insurance. Although medical insurance is very affordable, the protection is not very strong, and there are many places where the responsibility for protection is missing.
Health insurance includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance. When the insured falls ill, the insurance company will compensate the insured according to the contract.
Buying insurance is buying protection. Health insurance covers a wide range, including serious illness, allowance and medical care. No matter the disease caused by its own pathological changes or the disease caused by external factors, there is no way to avoid the occurrence of the disease, and there is no way to estimate the cost in the case of serious illness. Only by doing a good job before the disease occurs can we ensure that we have enough confidence to treat the disease and have enough funds for our later life.
The hospitalized patient can't work by himself, so his income will be greatly affected during this period. In the future, after he is discharged from the hospital, he will have to face rehabilitation ranging from a few days to weeks to months or even years, and he will also face income loss during this period. Health insurance can relieve the family's financial pressure by losing part of subsidy income. Buying health insurance can protect people from minor illnesses and serious illnesses, and retirement depends on it.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.