1, different underwriting companies, Yantai market health insurance is jointly underwritten by seven insurance companies: Ping An Pension, China Life Insurance, Taiping Pension, PICC P&C Insurance, CPIC Property Insurance, China Life Insurance and Sunshine Property Insurance. Yanhuibao is jointly underwritten by six insurance companies: Taiping Property Insurance, China Life Insurance, Ancheng Property Insurance, China United Property Insurance, Tianan Property Insurance and Guoren Property Insurance.
2. The coverage content is different. The coverage of Yantai citizens' medical insurance is obviously richer. Not only can we provide hospitalization medical treatment and some high-priced drugs to report to the resident, but we can also provide hospitalization drugs and consumables and special curing drugs, and the maximum reimbursement can be 3.3 million yuan a year. Yan Huibao can only provide medical insurance for hospitalization and certain high medical expenses, with a maximum reimbursement of 2 million yuan a year;
3. The premium price is different, and the coverage of citizen health insurance is richer, so the price will be relatively expensive, per person per year 139 yuan, and tobacco insurance only needs 59 yuan per year;
4. For the limitation of past diseases, although this product can be insured in spite of illness, Yan Hui retains the limitation of specific past diseases, and the insurance company will not compensate the expenses caused by specific past diseases. Public health insurance can not only cover diseases, but also compensate for past diseases.
legal ground
People's Republic of China (PRC) social insurance law
Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.
Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively. Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government.
When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.