1, which limits patients' right to seek medical treatment. After the binding of social health, patients can only go to the designated social health institutions, and cannot freely choose other medical institutions. It may bring inconvenience and trouble to patients who need a specific hospital or specialty.
2. Reduced the convenience of medical services. Social health institutions are generally located in the community, and it may be inconvenient for patients who are far away to see a doctor. In addition, the medical equipment and professional level of social health institutions may not be as good as that of large hospitals, and some complicated diseases or operations may need to be referred to other medical institutions for treatment.
3. There is a certain risk of information asymmetry and misleading. The information sharing and referral mechanism between social health institutions and large hospitals may be imperfect, which leads to patients' inability to obtain comprehensive and accurate medical information, thus affecting their choice of medical treatment and treatment effect.
Benefits of medical insurance:
1. Medical insurance is an important means for the government to redistribute income by collecting medical insurance premiums and paying medical insurance service fees.
2. One of the functions of medical insurance is to guarantee the basics, to ensure that the insured can get basic medical needs after retirement, and to ensure that they can enjoy medical insurance benefits.
3. The role of medical insurance is conducive to improving labor productivity and promoting the development of production.
To sum up, there are some shortcomings and limitations after Shenzhen's first-class medical insurance is bound to social health. Therefore, patients should fully consider their own medical needs and actual situation when choosing whether to bind social health, and make a wise decision. At the same time, the government and medical institutions should also strengthen the convenience of medical services and information transparency, improve the quality of medical care, and meet the diverse needs of patients.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 29
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.