1, the difference in medical grade
Employee medical insurance also includes two grades, one high-grade, the other low-grade, if in accordance with the high-grade to pay the employee medical insurance, it means that you will have the corresponding balance every month to your own medical card to go, if you are in accordance with the low-grade to pay this, the employee medical insurance, then the If you are paying for the lower tier, you will not have a balance on your card.
2, the difference in type
The two types of insurance that return money to the employee health insurance and do not return money are consumer and savings type respectively. Savings-type is more suitable for us, at least there is a guarantee that you can also get back to a certain time to the principal, and even more interest. Consumer type is cheaper, high protection, if the ability to pay limited, and want to protect high enough, you have to consider the consumer type.
3, the reimbursement ratio of the difference
No matter which grade is paid, in addition to the difference to the social security card to return money each month, the reimbursement ratio is generally no difference, but for the amount of the integrated fund expenditure ceiling is still a certain difference, the payment of high, hospitalization reimbursement of the upper limit of the amount of relatively to be higher, health insurance is not a big deal, the full amount of the reimbursement.
Expanded Information
The urban workers basic medical insurance to pay part of the cost of the diagnosis and treatment of the project scope:
(a) Diagnostic equipment and medical materials category
1, the application of X-ray computed tomography (CT), stereotactic radiography (γ-knife, χ-knife, χ-knife, γ-knife, χ-knife, χ-knife). -knife, χ-knife), cardiac and angiography X-ray machine (including digital subtraction equipment), magnetic **** vibration imaging device (MEI), single photon emission computerized scanning device (SPECT), color Doppler, medical linear gas pedal and other large-scale medical equipment for the examination and treatment of the project;
2
2, extracorporeal shock wave lithotripsy and hyperbaric oxygen therapy;
3, pacemakers, artificial joints, artificial crystals, vascular stents in vivo replacement of artificial organs, in vivo placement of materials;
4, the provincial pricing department can be charged separately for disposable medical materials.
(B) treatment project category
1, hemodialysis, peritoneal dialysis;
2, kidney, heart valves, cornea, skin, blood vessels, bone, bone marrow transplants;
3, cardiac laser perforation, anti-tumor cellular immunotherapy and fast neutron therapy projects.
(3) examination and treatment items of medical instruments and equipment and medical materials with a single cost of more than 400 yuan.
Baidu Encyclopedia-Basic Medical Insurance for Urban Workers