Address: Labor Security Building, Sixth Road, Fenghuang Street, Yongding District, Longyan City, Fujian Province
I. What is the role of medical insurance?
Medicare is the abbreviation of social health insurance, is the state to provide the public with basic, welfare medical care, usually small illnesses and pains, such as colds and fevers, pneumonia, bronchitis, etc., outpatient clinics, hospitalization can be reimbursed part of the medical costs. The medical insurance is divided into urban and rural residents' medical insurance and employees' medical insurance.
Second, what is the difference between residents' health insurance and employees' health insurance?
Employee health insurance, the object of participation for employees, every month to pay, the contribution base is relatively high, each year add up to pay a few thousand dollars.
Resident's health insurance is for residents, who pay a few hundred dollars a year.
In the same situation, the reimbursement rate of employee health insurance will be higher than that of resident health insurance. Assuming that they both visit a tertiary hospital, the employee health insurance may reimburse 80 percent of the cost, while the resident health insurance may only reimburse 50 percent of the cost.
So, if you have a stable workplace, it is recommended that you stick to the employee health insurance and enjoy the benefits of employee health insurance.
Three, pay enough years can enjoy lifelong health insurance treatment?
①Employee health insurance: When you reach the retirement age, you don't need to pay premiums after retirement if your accumulated contribution period reaches the required number of years, and you can enjoy the health insurance treatment for your whole life.
For example, in Beijing, a man who has paid contributions for 25 years and a woman who has paid contributions for 20 years can enjoy lifelong health insurance without having to pay premiums after retirement. Note that after retirement, if you have paid enough years before retirement, stop paying the health insurance fee, stop paying during the period, is not able to use the health insurance.
②Resident medical insurance: pay a year to insure a year, there is no say how many years to pay can not pay.
If you are worried that the health insurance is not enough, you can buy a million medical insurance with the health insurance, small illnesses and pain with the health insurance reimbursement, big illnesses and serious illnesses with the million medical insurance, million medical insurance has no disease, health insurance directory inside and outside of the limitations of the 30 year olds a year only two or three hundred dollars, you can buy buy buy 2-4 million coverage, or a very cost-effective.
This kind of insurance is cheap, but it is not easy to buy, you need to do a good job of health information according to their own situation, if you are worried about buying the wrong, it is recommended to find a professional to help gatekeeper, lest the follow-up can not be compensated.