1. Medical insurance
Medical insurance is the basic protection of people's livelihood, is a medical benefit for us. It is mainly divided into the following three types:
The employee health insurance, applicable to the crowd is in the staff, regardless of the type of household. During the period of normal participation, hospitalization or purchase of medicines within the health insurance directory can be used to the employee health insurance, and after a certain period of payment, you can enjoy the health insurance treatment for life.
Residents' health insurance, applicable to the urban household registration, no work unit of the people. It is renewable for life, and premiums do not rise with age.
The New Agricultural Cooperative Medical Program (NACMP), also known as the New Rural Cooperative Medical Program (NRCMP), applies to people with a rural household registration and no work unit. Similarly, the premiums are basically fixed and are paid for one year at a time.
2. Commercial medical insurance
Commercial medical insurance is used to reimburse medical expenses, just like traditional medical insurance, but the difference is that commercial medical insurance is more comprehensive.
Commercial medical insurance can also be divided into the following three categories according to premiums:
Low-end medical insurance: premiums are usually low, and the amount of coverage is not high, usually less than 50,000 yuan, including a small amount of outpatient medical insurance, a small amount of hospitalization medical insurance.
Mid-range medical insurance: Mid-range medical insurance not only includes the responsibility of million medical insurance, but also covers the responsibility of small medical insurance, the coverage is not only limited to hospitalization, but also supports outpatient reimbursement.
High-end medical insurance: High-end medical insurance is a product with VIP services, mainly for high-income and high-consumption people, with expensive premiums, which can comprehensively solve the problems caused by medical expenses.