Is it necessary to buy Jin Chenghui medical insurance?

It depends. If you are an older insured (over 50 years old) or in a sub-health state (with lung nodules and breast nodules), you can consider Jin Chenghui medical insurance, which is necessary to purchase. However, if people who are in good health have a comprehensive medical insurance with a good renewal of one million yuan, or have sufficient critical illness insurance protection, Jin Chenghui medical insurance may not need to be purchased.

"People's Republic of China (PRC) Social Insurance Law" Article 29 The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits. Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations. Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity. Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.