1. Medical insurance, medical insurance is a part of social insurance, there are rural cooperative medical care and urban residents' medical care/employee medical insurance. Is the basic protection of our residents.
2, outpatient medical care, which is one of the broadest insurance responsibility in medical insurance, can protect the insured due to illness and accidental injury expenditure of outpatient medical fees, its insurance method is generally used in a group approach to underwriting.
3, accidental injury medical insurance, accidental injury medical insurance is mainly responsible for the insured's medical expenses due to accidental injury. Accidental injury medical insurance is one of the types of medical insurance, accidental injury medical insurance is generally used as an additional responsibility of accidental injury insurance (basic insurance), individuals and groups can participate in the insurance, no need to check the insured person's body
4, hospitalization medical insurance, hospitalization medical insurance coverage is the insured person due to illness or accidental injury requires hospitalization medical expenses, not responsible for the insured person's outpatient medical expenses, and the insured person's medical expenses, can be a group or individual. It can be taken out by a group or by an individual. Hospitalization medical insurance can be taken out either in the form of compensation or in the form of a fixed amount.
Medical insurance is divided into the following five types:
1, general medical insurance, general medical insurance is the medical insurance in the insurance responsibility of the most extensive one;
2, accidental injury medical insurance, accidental injury medical insurance is mainly responsible for the insured due to the accidental injury of the medical expenses;
3, hospitalization medical insurance, hospitalization medical insurance protection
3, hospitalization medical insurance, hospitalization medical insurance coverage is the insured person due to disease or accidental injury requires hospitalization medical expenses;
4, surgical medical insurance, which is a single medical insurance, only to protect the insured person due to surgical expenditures of the medical costs;
5, special disease insurance, which is specifically for the insured person suffering from a specific disease for the insurance accident.
In summary, medical insurance generally refers to the basic medical insurance, is to compensate workers for the economic losses caused by the risk of disease and the establishment of a social insurance system; through the employer and individual contributions, the establishment of a medical insurance fund, the participants in the medical expenses incurred in the sick visit, by the medical insurance agency to give them a certain amount of economic compensation; medical insurance coverage includes doctors' outpatient costs The scope of medical insurance includes the doctor's outpatient fee, medicine fee, hospitalization fee, nursing fee, hospital miscellaneous fee, operation fee, and various examination fees. Medical expenses are all kinds of expenses incurred by the patient for the treatment of illness, including doctor's medical and surgical fees, hospitalization, nursing care, hospital equipment and other expenses.
Legal basis:
Article 28 of the Social Insurance Law of the People's Republic of China
Medical expenses in line with the basic medical insurance drug catalog, diagnostic and treatment items, standards of medical service facilities, as well as those for emergencies and salvages, shall be paid out of the basic medical insurance fund in accordance with state regulations.
Article 29
The portion of the medical expenses of insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.
The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.