What is commercial medical insurance Commercial medical insurance: refers to the commercial insurance company as the main business entity, to the insurance contract agreed upon the occurrence of medical behavior as a condition of the payment of insurance benefits, for the insured to receive medical treatment during the medical expenses to provide protection for the insurance, is one of the main elements of health insurance. According to the different scope of protection, commercial medical insurance is mainly divided into general medical insurance, hospitalization medical insurance, surgical insurance and comprehensive medical insurance, etc.; according to the different nature of payment, it can be divided into cost compensation medical insurance and fixed payment medical insurance. What is major medical insurance? Social security major medical insurance: major medical insurance is a special medical insurance fund established to protect the medical needs of urban workers with major illnesses, and is used to pay for the medical expenses incurred by the insured who participate in the basic medical insurance for urban workers that exceed the maximum payment limit of the basic medical insurance within a year, which is an effective supplement to the basic medical insurance for urban workers and reduces the financial burden of the insured when high medical expenses are incurred. It is an effective supplement to the basic medical insurance for urban workers and reduces the financial pressure of the insured when they incur high medical expenses. Commercial major illness medical insurance: the professional name should be major illness insurance, which is a kind of disease insurance, mainly refers to the insurance that pays insurance benefits on the condition of the occurrence of major illnesses as agreed in the insurance contract. Specifically, during the validity period of the contract and after the observation period (usually a period of time after the contract has come into effect, such as 90 or 180 days), the insured person is diagnosed for the first time as suffering from the major diseases stipulated in the insurance contract, and can be compensated with the corresponding amount to be used for treatment. The types of critical illnesses stipulated by different insurance companies or different types of insurance differ from each other, but certain standards must be enforced, and in April 2007, the Critical Illness Insurance Expert Committee formed by the China Insurance Association and the China Medical Doctors Association*** issued the "Criteria for Definition of Critical Illnesses Insurance Diseases," in which the most common 25 diseases are expressed. In April 2007, the Code for the Use of Definition of Diseases in Critical Illness Insurance, which was developed by the CII Expert Committee and the China Association of Medical Doctors, was issued, in which the expressions for the 25 most common diseases were standardized and regulated, and it was stipulated that, starting from August 1, 2007, the newly-developed critical illness insurance policies of the insurance companies had to include the 6 diseases with the highest incidence rate among the 25 critical illnesses, and that, for the other insured diseases, if they belonged to the list of the 25 diseases, they had to use the above standardized expressions. What is comprehensive medical insurance? Comprehensive medical insurance is a kind of comprehensive medical expense insurance provided by the insurer for the insured, which covers medical treatment, hospitalization, surgery and other expenses. This type of insurance has higher premiums and generally establishes a low deductible and an appropriate sharing ratio. (In terms of social security, the concept of "comprehensive" is mainly used in Shenzhen and Shanghai, but the meaning of "comprehensive" in Shenzhen is not only what type of medical expenses can be reimbursed, but also includes the meaning of local household registration and foreigners can be insured; while the specific name of Shanghai is "Shanghai Municipal Migrant Insurance". The name is "Shanghai Migrant Workers Comprehensive Insurance", and "comprehensive" means that it includes three types of insurance: work injury insurance, hospitalization medical insurance, and old age allowance). What is student medical insurance? Student medical insurance is a government-led, combined financial subsidy and family contribution, social medical mutual aid **** relief system for minors and adult students, based on the coordination of medical care for major illnesses. It can reduce the financial burden on families of students and children who seek medical treatment for injuries and illnesses, and is conducive to the healthy growth of students and children, while at the same time improving the soundness of the multilevel medical insurance system. According to the different levels of economic development and policies in different places, the name, form and protection of this type of insurance varies greatly, some places are collectively referred to as students and children's medical insurance, while others are divided into medical insurance for minors and medical insurance for college students, and the proportion of reimbursement of medical expenses and out-of-pocket expenses varies widely according to the differences in the regions, but they all belong to the scope of the basic urban and rural residents' medical insurance in the social security system. Generally speaking, in areas where this type of insurance is available, minors can be insured by their guardians after a certain period of time, at the social security office in their hukou (household) with the appropriate documents, or by the kindergarten or school once they have started attending school. Family contributions are low, ranging from a few dozen dollars to over a hundred dollars a year. However, reimbursement is generally focused on high-cost or major medical expenses, and outpatient expenses are either not reimbursed or are reimbursed at a lower rate. In addition, this type of insurance also has a maximum reimbursement amount, generally similar to the level of the maximum payment of the basic medical insurance for urban workers, and the exceeding part is the responsibility of the family or the student.
Legal Objective:First, it is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and development of production. In turn, the establishment and improvement of the medical insurance system will further promote social progress and the development of production. On the one hand, medical insurance relieves workers' worries and makes them feel at ease at work, which can improve labor productivity and promote the development of production; on the other hand, it also guarantees the physical and mental health of workers and ensures the normal reproduction of labor force. Secondly, it regulates income differences and reflects 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. Thirdly, it is an important guarantee for maintaining social stability. Medical insurance provides financial assistance to sick workers, helps to eliminate social instability caused by illness, and is an important social mechanism for adjusting social relations and social conflicts. Fourth, it is an important means of promoting social civilization and progress. The social systems of medical insurance and social mutual assistance, by sharing the risk of disease costs among insured persons, embody the new type of social relations in which "when one party is in trouble, the other eight parties support it", and are conducive to the promotion of social civilization and progress. Fifth, it is an important guarantee to promote the reform of the economic system, especially the reform of state-owned enterprises. Read: What does medical insurance mean? Medical insurance is a kind of insurance to compensate for the medical expenses caused by diseases. Employees due to illness, injury, maternity, social insurance by the community or enterprises to provide the necessary medical services or material help. Such as China's public medical care and labor insurance medical care. The medical expenses of Chinese workers are borne by the State, the organization and the individual*** together, in order to reduce the burden on enterprises and avoid waste. Medical insurance, like other types of insurance, also collects medical insurance premiums in advance from people threatened by illness in the form of a contract and establishes a medical insurance fund; when the insured person falls ill and goes to a medical institution and incurs medical expenses, he or she is given a certain amount of financial compensation by the medical insurance organization. According to the Medical Insurance Scheme, the number of years of medical insurance contribution includes the actual number of years of medical insurance contribution and the deemed number of years of contribution, which are calculated as follows: (i) The actual number of years of contribution is the number of years since the implementation of the Medical Insurance Scheme that the employee has actually paid medical insurance premiums. (ii) The deemed contributory years are the continuous years of service before the end of 1992 and the years from January 1993 to the implementation of the Medical Insurance Scheme when the individual paid the basic pension insurance premiums. Fifth, it is an important guarantee to promote the reform of the economic system, especially the reform of state-owned enterprises. Read: What does medical insurance mean? Medical insurance is a kind of insurance to compensate for medical expenses caused by diseases. Employees due to illness, injury, childbirth, by the community or enterprises to provide the necessary medical services or material help social insurance. Such as China's public medical care and labor insurance medical care. The medical expenses of Chinese workers are borne by the state, the organization and the individual*** together, in order to reduce the burden on enterprises and avoid waste. Medical insurance, like other types of insurance, also collects medical insurance premiums in advance from people threatened by illness by means of a contract to set up a medical insurance fund; when the insured person falls ill and goes to a medical institution and incurs medical expenses, he or she is given a certain amount of financial compensation by the medical insurance organization. According to the Medical Insurance Scheme, the number of years of medical insurance contribution includes the actual number of years of medical insurance contribution and the deemed number of years of contribution, which are calculated as follows: (i) The actual number of years of contribution is the number of years since the implementation of the Medical Insurance Scheme that the employee has actually paid medical insurance premiums. (ii) deemed contribution years for the end of 1992 before the end of the continuous service and January 1993 to the implementation of the "Medical Insurance Scheme" before the individual to pay the basic pension insurance premiums for the number of years.