Medical insurance generally refers to the basic medical insurance, which is a social insurance system established to compensate workers for the economic losses caused by the risk of illness. Through the employer and individual contributions, the establishment of a medical insurance fund, the insured person sick visit medical expenses incurred by the medical insurance organization to give them a certain amount of economic compensation.
Medicare is characterized by "low level and wide coverage", and its purpose is to ensure that everyone can afford to see a doctor. Under normal circumstances, each participant can choose from four designated hospitals, including one compulsory community hospital.
1. It is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development, and in turn, the establishment and improvement of the medical insurance system will further promote social progress and production development. On the one hand, it relieves the workers' worries of having no money for medical treatment after getting sick, so that they can work with peace of mind, which can improve labor productivity and promote the development of production; on the other hand, it effectively promotes the physical and mental health of the workers with the protection and ensures the normal reproduction of the labor force.
2, regulating income differences, reflecting social fairness. Medical insurance is an important means of income redistribution through the collection of medical insurance premiums and reimbursement of medical insurance service fees to regulate income differences.
3. It is an important guarantee of social stability. Medical insurance provides financial assistance to patients, helps to alleviate the social instability caused by diseases, and is an important mechanism for regulating social relations and social conflicts.
4. An important means of promoting social civilization and progress. Medical insurance and social mutual **** relief social system is through the sharing of medical costs between the participants in the risk, reflecting the "one party in trouble, eight parties to support" a new type of social relations, is conducive to the promotion of social civilization and progress.
5, to promote the reform of the economic system, especially the state-owned enterprise welfare reform is an important guarantee.
The difference between medical insurance and critical illness insurance is as follows:
1, the content of the protection is different
Critical illness insurance is to protect those major diseases agreed in the contract.
Medical insurance is to solve the money spent on hospitalization, there is no disease limit, due to disease or accident hospitalization of reasonable treatment costs, are reimbursed.
2, different ways to pay
Critical illness insurance is diagnosed, if a serious illness and meet the conditions of the contract, then after the diagnosis, the insurance company will be in accordance with the contract to pay money. If the contract agreed to pay 500,000 yuan, the insurance company will pay 500,000 yuan.
Medical insurance, on the other hand, is an advance payment and reimbursement policy, where you pay for your own medical expenses and then seek reimbursement from the insurance company. If you buy medical insurance with $100,000 of coverage, but only spend $50,000 on a doctor's visit, you will only be reimbursed up to $50,000 at most.
3, the coverage period is different
Critical illness insurance coverage period of one year, regular, you can choose according to their actual situation, if you buy long-term critical illness insurance do not have to worry about the renewal problem.
While most of the medical insurance coverage period is one year, there is no guarantee of renewal. If the renewal will occur when the premiums become more expensive, refusal of insurance, product discontinuation and other issues.