Enterprises supplement medical insurance to ensure the health and welfare of employees.
Risks such as accidents and diseases always exist in our work and life. Once accidents and diseases occur, it will bring great losses and influences to employees themselves, their families and their enterprises. The greatest possible transfer and reduction of the impact of these risks can fully reflect the careful care of employees.
Therefore, some enterprises will independently organize enterprises to supplement medical insurance. So what role does this enterprise play in supplementing medical insurance? Its role is still quite great, whether employees are treated in outpatient clinics or hospitals because of illness or some sudden traffic accidents, they can get certain compensation. In fact, it is to provide employees with some outpatient and hospitalization expenses. In short, if they buy out-patient or in-patient medicine, the insurance company will reimburse them. In this way, the loss of employees can be greatly reduced, so as to realize the protection of a basic interest! Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
So what are the terms and responsibilities of this enterprise to supplement medical insurance? Please come with me to find out.
The insurance period of enterprise supplementary medical insurance is generally one year, and the insurance liability is divided into the following three parts:
1, the part completely paid by individuals below the deductible line of the basic medical insurance pooling fund;
2, the basic medical insurance fund deductible, the proportion of personal payment below the maximum payment limit;
3, the basic medical insurance fund above the maximum payment limit, large medical expenses subsidy insurance below the maximum payment limit, individuals pay in proportion.
The above three parts of insurance liability shall be paid by the enterprise according to the financing ability of the enterprise, and the supplementary medical insurance shall be paid in different proportions.
To sum up, according to their own financial situation, enterprises can not only enjoy the preferential tax policies stipulated by the state, but also meet the higher-level health protection needs of employees, effectively reducing the burden on employees, which is an effective means to improve employee welfare.
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The safety of personnel, now many enterprises will give employees social insurance. In fact, commercial insurance is also very important now, because it can be well protected after purchase. The most important thing is that commercial insurance can be used as a supplement to employee social security, and it is also very good in the process of specific protection. Therefore, many people are concerned about the coverage of commercial insurance for employees. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
Look here! There are also enterprises that provide employees with medical insurance and commercial supplementary insurance.
Enterprises can buy certain commercial insurance for their employees according to their own operating conditions, which can avoid various possible risks. For enterprises, especially those with dangerous production jobs, with commercial insurance as a guarantee, the rights and interests of employees can be better protected, and enterprises can also reduce a lot of compensation burden. So what are the specific benefits of providing medical insurance and commercial supplementary insurance for employees? Let's take a look at it with the article.