First, the role and significance of supplementary health insurance
As a supplement to the basic medical insurance, supplementary medical insurance plays an important role in many aspects. First of all, it can help the insured to cope with the high medical expenses and reduce the economic pressure. Secondly, supplementary health insurance usually covers some medical services that are not included in the basic medical insurance, such as special drugs and high-end medical equipment inspection, so as to provide more comprehensive health protection for the insured. In addition, supplementary health insurance can also be customized according to individual needs and risk conditions to meet the health protection needs of different groups of people.
Two, the types and choices of supplementary health insurance
There are many kinds of supplementary health insurance, including but not limited to hospitalization allowance insurance, serious illness insurance, accidental injury insurance, etc. The insured can choose the insurance products suitable for them according to their own health, economic situation and risk tolerance. At the same time, when choosing supplementary health insurance, we should pay attention to the coverage, claim settlement process and premium of insurance products to ensure that the purchased insurance products can meet their actual needs.
Three. Matters needing attention in purchasing supplementary health insurance
When purchasing supplementary health insurance, the insured should pay attention to the following points: first, read the insurance contract and terms carefully to understand the scope of insurance products, exclusions and other contents; Secondly, we should choose a reputable insurance company or insurance agency to buy; Finally, we should pay the premium on time to ensure the validity of the insurance contract.
To sum up:
Supplementary health insurance for medical insurance participants is an effective way to improve the level of personal medical security. The insured can choose suitable insurance products according to their own needs and risk conditions to cope with possible high medical expenses or special medical needs. When purchasing supplementary health insurance, the insured should pay attention to the coverage and exclusion of insurance products, and choose a reputable insurance company to buy.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23 provides that:
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Measures for the administration of health insurance
Article 2 provides that:
The term "health insurance" as mentioned in these Measures refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
Article 4 provides that:
An insurance company engaged in health insurance business shall continuously meet the following conditions:
(a) the establishment of health insurance business management system;
(two) the establishment of health insurance underwriting system and claims system;
(3) Establish a health insurance data management system;
(4) Establish a health insurance risk management system;
(five) the establishment of health insurance business full-time personnel management system;
(six) the establishment of health insurance business statistical analysis system;
(7) Other conditions stipulated by China Banking Regulatory Commission.