It is recommended to buy China Life Insurance. Of course, you can also choose two more formal ones for comparison, but it is recommended not to choose more than one. Too many bulls will see the big ones in the next time. If it is detailed, I don't know how many words it will take to finish writing China Medical Insurance Network/a more formal government website. You can see for yourself.
The following three can be regarded as the birthdays of China people.
(1) Xianghe term insurance
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【 Clauses 】 Name of Insurance Company: China Life Insurance Company Insurance Classification: 1999 Long-term Insurance Clauses Insurance Category: Insurance Name: Xianghe Term Insurance Clauses Name: Xianghe Term Insurance Clauses Issue Date 99-06- 16 Detailed Clauses: Xianghe Term Insurance Clauses (1999.6 was approved by China Insurance Regulatory Commission for the record) Article 1 This insurance contract. ...
[Example] The coverage of Xianghe term insurance is 16-65 years old. Payment methods are divided into wholesale payment and annual fee payment. The annual premium payment period is the insurance period of this contract. The insurance period is divided into five years, ten years, fifteen years and twenty years, but the insured shall not be over 70 years old when the insurance period expires. Insurance liability If the insured dies within the validity period of this contract, the company will pay the death insurance premium according to the insurance amount specified in the insurance policy. ...
(2) China Life Insurance Fu Rui Endowment Insurance
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【 Clauses 】 Name of Insurance Company: China Life Insurance Company Insurance Classification: 1999 Long-term insurance clause Category: Insurance Name: China Life Insurance Fu Rui Pension Insurance Clause Name: China Life Insurance Fu Rui Pension Insurance Clause Issue Date 99-08-1Detailed Clauses: China Life Insurance Company China Life Insurance Fu Rui Pension Insurance Clause (1. ...
[Example] Fu Rui's old-age insurance understands the risks of life, and the insurance coverage is 16 to 65 years old. Those who are healthy can be the insured. The insured himself or a person who has an insurable interest in him may be the insured. Characteristics of this insurance The insurance period can be any one of 5 years, 10 years, 15 years and 20 years, but the insured shall not be over 70 years old at the expiration. Flexible payment methods. It can be paid in one lump sum or one year.
(3) China Life Fuxin Old-age Security
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【 Clauses 】 Name of insurance company: China Life Insurance Company Insurance Category: 1999 Long-term insurance clause Category: Insurance Name: China Life Fuxin Pension Insurance Clause Name: China Life Fuxin Pension Insurance Clause Issue Date 99-08-1Detailed Clauses: China Life Insurance Company China Life Fuxin Pension Insurance Clause (/kloc-0 ...
[Example] The coverage of Fuxin old-age insurance is from 16 to 60 years old, and those who are healthy can be regarded as the insured. The insured himself or a person who has an insurable interest in him may be the applicant. This kind of insurance is characterized by flexible payment methods. The insurance premium can be paid in one lump sum or annually. The age for receiving survival insurance money can be agreed. It is divided into four types: 50 years old, 55 years old, 60 years old and 65 years old. Installment payment, even if the premium is not paid on time or the insurance is not paid. ...
2。 The bankruptcy of the company may not conflict with medical insurance.
For example, medical insurance, if you look at the cost of 3000 yuan, social security can probably be reimbursed 1300, then the rest can be reimbursed in commercial insurance.
Of course, if someone spends 3,000 yuan on medical treatment, the combined compensation of social insurance and commercial insurance will not exceed 3,000 yuan (except for additional insurance of payment nature).
It should be said that commercial insurance is a supplement to social insurance, and social insurance alone is often not enough.
3 Beijing Medical Insurance Agency
Name and address consultation telephone number
Social Insurance Fund Management Center, No.5 Yongnei West Street, Xuanwu District, Beijing
63 167789
Municipal medical insurance affairs management center
No.5, Yongnei West Street, Xuanwu District, Beijing
83 172488
Dongcheng district medical treatment insurance center
Jiaodaokou South Street 127
64003648
Xicheng district medical treatment insurance center
Xi si Bei San tiao B 26
66 158393
Chongwen district medical treatment insurance center
Guangqumenwai Street 14
67755022
Xuanwu district medical treatment insurance center
No.2 A, Inner West Street, Yongdingmen
83 10 138 1
Chaoyang district medical treatment insurance center
No. Li Jixiang 1 15, Chaowai Street
65523998
Haidian district medical treatment insurance center
No.31Suzhou Street, Haidian District
62620223 62620224
Fengtai district medical treatment insurance center
No.0/93, Liucun/KLOC, Fengtai District
637 16874
Shijingshan district medical treatment insurance center
No.0/28, Yangzhuang East Road/KLOC, Shijingshan District
88707585
Mentougou district medical treatment insurance center
No.0/7, Xinqiao South Street, Mentougou District.
6985404 1
Fangshan district medical treatment insurance center
No.5 Liangxiang West Road, Fangshan District
8936705 1
Tongzhou district medical treatment insurance center
No.85 Yunhe East Street, Tongzhou District
8 1537040
Shunyi district medical treatment insurance center
No.6 Fu Qian East Street, Shunyi District
69429442
Huairou county medical treatment insurance center
No.21Yingbin Middle Road, Huairou District
69647834
Miyun county medical treatment insurance center
No.32, Chengxin West Road, Miyun County
6906 1694
Pinggu county medical treatment insurance center
No.9 Fu Qian West Street, Pinggu District
69962 146
Yanqing county medical treatment insurance center
East Building, Xincheng Service Building, No.60 Gaota Street, Yanqing County
69 14 1345
Daxing county medical treatment insurance center
54 Xingfeng South Street, Daxing District
692698 13
Changping district medical treatment insurance center
Changping district donghuan road south section retired staff activity center
69709324
4 Jiao 2001-11-20 CCTV International Network.
Beijing recently promulgated the Interim Measures for Individuals Entrusting Archivists to Participate in Basic Medical Insurance, stipulating that urban employees in this city who have no fixed work units only need to pay 7% of the average monthly salary of employees in this city in the previous year, and the proportion and scope of hospitalization reimbursement are the same as those of employees in the unit; After retirement, you can only pay 3 yuan money every month, and you can enjoy the same treatment as the retirees of the unit when you go to the clinic or stay in hospital.
The Interim Measures for Individuals Entrusting Archivists to Participate in Basic Medical Insurance will be officially implemented on March 1 next year, which will make 400,000 freelancers in Beijing have no worries, because their future is also guaranteed.
Urban workers in Beijing who have no fixed work units can be reimbursed as long as they pay a certain amount of basic medical insurance premiums every month. Reimbursement after retirement is more favorable. You only pay 3 yuan money every month, and you can enjoy the same treatment as retirees in the unit when you go to the clinic or stay in hospital. This is a new policy recently formulated by Beijing Municipal Bureau of Labor and Social Security for freelancers in the city.
400,000 freelancers in Beijing have no worries.
According to Wang, deputy director of the Beijing Municipal Bureau of Labor and Social Security, the Interim Measures for Entrusting Archivists to Participate in Basic Medical Insurance in Beijing will be officially implemented on March 1 next year. Those who have permanent residence in this city, are engaged in self-employment or freelancing, and filed in the city, district (county) employment center or talent exchange center belong to the people concerned by the new policy.
Provisions of Beijing Municipality on Basic Medical Insurance
Chapter I General Provisions
Chapter II Basic Medical Insurance Fund
Chapter III Personal Account of Basic Medical Insurance
Chapter IV Basic Medical Insurance Benefits
Chapter V Supplementary Medical Insurance
Chapter VI Medical Management
Chapter VII Organization, Management and Supervision
Chapter VIII Legal Liability
Chapter IX Supplementary Provisions
The new policy stipulates that archivists should participate in the basic medical insurance and pay the basic medical insurance premium according to 7% of the average monthly salary of Beijing employees in the previous year. The proportion and scope of hospitalization reimbursement are the same as those of the insured units. After renal transplantation, the hospitalization expenses, emergency rescue expenses and outpatient medical expenses of malignant tumor radiotherapy and chemotherapy, renal dialysis and anti-rejection drugs can be reimbursed according to the prescribed proportion, but other outpatient expenses will be taken care of by themselves.
The new regulations also stipulate that after the archivists retire, those who have paid the basic medical insurance for 25 years for men and 20 years for women do not need to pay the basic medical expenses every month, but only need to pay a large amount of medical mutual fund in 3 yuan every month, so they can enjoy the same medical treatment as the retirees of the unit, and the hospitalization and outpatient service can be reimbursed in proportion.
165438+ 10/2. The Interim Measures of Beijing Municipality for Entrusting Archivists to Participate in Basic Medical Insurance has just been issued. These people include individual industrial and commercial households, freelancers, and other personnel entrusted to file in their own names in urban labor insurance departments, employment centers and talent centers of personnel departments. There are about 400,000 people in Beijing. They are more urgent for basic medical insurance.
Beijing's medical insurance reform is in full swing.
The promulgation of the Interim Measures for Individuals Entrusting Archivists to Participate in Basic Medical Insurance is another masterpiece of Beijing's medical insurance reform this year. As early as April this year 1, when the Regulations on Basic Medical Insurance in Beijing was formally implemented, it attracted the attention of the whole society.
What does basic medical insurance "cover"
Outpatient and emergency medical expenses paid by personal account of basic medical insurance;
The cost of purchasing drugs at designated retail pharmacies;
Medical expenses below the Qifubiaozhun of the basic medical insurance pooling fund;
Medical expenses that exceed the Qifubiaozhun of the basic medical insurance pooling fund and should be paid by individuals in proportion;
Hospitalization expenses paid by the basic medical insurance pooling fund;
Emergency rescue observation and income hospitalization, medical expenses within 7 days before hospitalization observation;
Outpatient medical expenses for taking anti-rejection drugs after radiotherapy and chemotherapy, renal dialysis and renal transplantation for malignant tumors;
During the period when employees go out to visit relatives on business, retirees at or above the county level (including the county level) who are resettled in different places seek medical treatment in local designated institutions of basic medical insurance at or above the township level;
Medical expenses that meet the requirements of basic medical insurance.
When Beijing's basic medical insurance regulations are implemented, 16 supporting documents will be issued. The reform of medical insurance will be carried out by stages. This year's goal is to include enterprise employees and retired employees who participate in serious illness planning into the scope of medical insurance.
In mid-April, the first batch of basic medical insurance in Beijing started with 6.5438+0.9 million people. Beijing Social Security Center has distributed basic information collection forms and software to social security agencies in all districts and counties before April 13. According to the principle of "rolling development and step-by-step implementation", all districts and counties selected and determined the first batch of 624 start-up units, involving about1920,000 employees and retirees.
On 2001April 18, Beijing completed the accreditation of the first batch of designated medical institutions for basic medical insurance. On the basis of voluntary declaration by medical institutions, 527 medical institutions and 188 community health service stations were identified as the first batch of designated medical institutions for basic medical insurance in our city after examination and approval by the municipal, district (county) Labor and Social Security Bureau. Starting from the convenience of the insured, this identification work takes into account comprehensive and specialized subjects, traditional Chinese medicine and western medicine, pays attention to the role of community health service institutions, and promotes the rational allocation of medical and health resources.
/kloc-in April, 2008, on the basis of voluntary declaration by retail pharmacies, 64 retail pharmacies became the first batch of designated retail pharmacies for basic medical insurance in this city after approval. Before April 25, the designated medical institutions and retail pharmacies in Beijing completed the signing of service agreements, and the designated signs were hung uniformly on April 29.
On April 25th, 20001year, Beijing Xicheng Labor and Social Security Bureau and Xinhua Life Insurance Company signed Supplementary Medical Insurance for Enterprises. Since then, all enterprises that have participated in the basic medical insurance in Xicheng District can voluntarily join the "supplementary medical insurance for enterprises". Xinhua Life Insurance Company took the lead in cooperating with Xicheng District to set up multi-grade non-profit supplementary medical insurance for all insured persons, including outpatient service, emergency service and hospitalization. Enterprises can choose different grades of premiums and compensation standards according to their own strength, share part of the medical expenses that need to be paid by themselves for employees, and ensure that the medical level of most employees will not decline.
How will 4 million people in Beijing enjoy basic medical insurance this year and next?
At present, 2.09 million employees of local enterprises in Beijing have entered medical insurance, and 2 million enterprises, institutions, schools and scientific research units of central enterprises will enter medical insurance next year. How do these people enjoy and join medical insurance? Wang, deputy director of Beijing Labor and Social Security Bureau, accepted an interview with a reporter from Beijing Evening News. He said that we should give the masses an accurate account of this matter that concerns personal interests and everyone.
What drugs does medical insurance cover?
Drugs in the drug list are divided into Class A and Class B:
The drugs in Class A Catalogue are necessary for clinical treatment, widely used, with good curative effect and low price among similar drugs. The expenses incurred in using Class A drugs shall be paid in accordance with the provisions of the basic medical insurance.
The drugs in the "Class B Drug List" are available for clinical treatment and have good curative effect, and the prices of similar drugs are slightly higher than those of Class A drugs. The expenses for using Class B drugs shall be paid by the insured according to a certain proportion, and the rest shall be paid according to the provisions of the basic medical insurance.
The cost of using Chinese herbal pieces shall be paid in accordance with the provisions of the basic medical insurance, except for some pieces that are not covered by the basic medical insurance fund.
Q: How do employees who have entered medical insurance see a doctor?
A: The Beijing Municipal Labor and Social Security Bureau issued a blue Beijing Medical Insurance Manual to every employee who entered the medical insurance. This is the medical certificate. In addition, commercial banks also issue special passbooks for medical insurance. By the end of this month, 2 million handbooks and 2 million passbooks will all be distributed.
For outpatient treatment, you can get the doctor's special prescription for medical insurance with this manual and settle it in cash (the expenses can be drawn from the special passbook for medical insurance). Please keep the prescription and payment receipt after seeing a doctor. If the medical expenses of active employees exceed 2,000 yuan, and those of retired employees exceed 1.500 yuan, they will enter "large reimbursement". Workers will submit prescriptions and receipts to the unit, and the unit will go through the reimbursement procedures at the district and county medical insurance centers after summarizing them. Employees who exceed 2,000 yuan will be reimbursed 50%, with a maximum reimbursement of 20,000 yuan. Retirees under the age of 70 are reimbursed 60%; 70% reimbursement for those over 70 years old. The social security center will transfer the funds from personal accounts to the special passbook for medical insurance through the bank every month, and the insufficient individuals will pay in advance.
Hospitalized patients need to go through the hospitalization formalities with the Manual, and get the full payment voucher from the unit that has participated in medical insurance. The hospital will charge the deposit expected to be paid by the individual, and no other deposit will be charged. When leaving the hospital, the hospital only settles the medical expenses that should be borne by the individual with the individual, and the rest of the expenses are settled by the hospital and the medical insurance center, which has nothing to do with the work unit and the individual. Hospitals should also fill in the total amount, large burden, personal burden and other records in the manual. Employees whose hospitalization expenses exceed 50,000 yuan automatically enter "large mutual assistance", and those who exceed 50,000 yuan will be reimbursed 70%.
What expenses are not covered by medical insurance?
The first category is the service project category.
The second category is non-disease treatment projects.
The third category is medical equipment and medical materials.
The fourth category is the treatment project category.
The fifth category is other categories.
Q: What special protection are there for employees who are overburdened with medical expenses, suffer from special diseases and spend too much money?
A: In addition to unified basic medical care and large-scale mutual assistance, the above-mentioned people with difficulties can also get help through enterprise supplementary insurance, and the employer can set up enterprise supplementary insurance according to 4% of the total salary. This kind of supplementary insurance is an enterprise behavior, taking each unit as the basic unit. Some units give this money to commercial insurance companies. This kind of commercial medical insurance is in line with social medical insurance, and the form can be mobile.
Q: Is there any special help for the needy workers in enterprises that have stopped production or business below the minimum living security line?
Answer: If the above-mentioned employees suffer from serious diseases, after enjoying basic medical care and large amount of mutual aid reimbursement, their personal burden is still too heavy, which affects their basic life, they will be rescued by the government's special medical assistance fund.
Q: What new basic medical insurance measures will be introduced in the future?
A: Medical assistance for the extremely poor and Medicaid measures for civil servants will also be introduced.
China's medical insurance covers 80 million people.