What effect does medical insurance have on a healthy person?

Everyone will get sick if they eat whole grains. In ancient times, the poor had to leave their illness to fate because they had no extra money to see a doctor and take medicine. In modern times, before 20 16 65438+ 10/2, China did not integrate the medical insurance system for urban residents, nor did it establish a new rural cooperative medical system. Before medical insurance and the new rural cooperative medical system were popularized, it was unimaginable that it was difficult for people to see a doctor. With the popularization, establishment and perfection of medical insurance, people have the most basic guarantee for seeing a doctor and taking medicine.

First, medical insurance provides workers with the most basic medical security.

When a worker takes part in the work, the employer must open a medical insurance account for the worker and pay the part that the enterprise should pay for the worker. Under normal circumstances, the amount of medical insurance paid by the unit for employees is equal to 4 times the amount paid by the individual, which is directly deducted from the employee's salary. The medical insurance paid by the individual and the medical insurance paid by the unit will be credited to the employee's personal medical insurance exclusive account.

When we are sick, we all go to regular hospitals with medical insurance cooperation. The amount in the medical insurance card can be used for registration, examination and prescription. Of course, at present, China does not support that all drugs are reimbursed by medical insurance. However, 80% of medical expenses can be reimbursed through medical insurance for basic minor illnesses and serious illnesses, including surgery. This has greatly reduced the burden of medical treatment for our residents. There will be no more difficulties in seeing a doctor and not being able to afford medicine.

Secondly, in some cities, patients only need to pay 20% of the medical expenses paid by individuals directly.

In our country, in some cities, such as Beijing, there is no available amount in the personal medical insurance account, but we can directly pay 20% of the medical expenses that need to be paid by the individual by using the medical insurance card. One of the biggest advantages of using this form of medical insurance card is that you no longer need to wait for reimbursement of medical expenses. It not only saves the time and process of filling out forms, submitting invoices and waiting for distribution, but also solves the most important problem: when people see a doctor, they don't need to pay all the medical expenses at once, avoiding the embarrassment and embarrassment of having no money to pay, and improving the probability of patients seeing a doctor.

Finally, to sum up, medical insurance is introduced by our country, and it is the most basic social security to solve the problem that people can afford to get sick and medicine, and they will not get sick without seeing a doctor. It has only one effect on people's health: medical insurance is a' guarantee' when a person is sick. I believe that our country will improve the medical insurance system more and more and make more decisions that are beneficial to the people.