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Medical insurance solves the problem of fear of getting sick and not wanting to see a doctor.
The reimbursement rate is around 70%. Medical insurance, also known as medical social insurance, is the core of the disease insurance, it is a social insurance system to provide medical services and income compensation for the workers themselves in the event of illness, injury, disability and death of workers not due to work. To make medical insurance available to all people . It solves the problem of medical care for the grassroots in a certain program. Basic medical insurance for urban residents is one of the twelve livelihood projects of the provincial government and twenty livelihood projects of the Anqing municipal government. The city's primary and secondary school students into the urban residents of medical insurance reflects the party and the government's concern and care for the majority of students, as one of the government-run social insurance, has obvious advantages: First, the individual contribution to the low students to participate in the insurance contribution standard of 90 yuan per person per year, individuals only pay 30 yuan (A, B class of low-income recipients and severely disabled persons and other difficult families of the students, per person per year, only need to pay 10 yuan). Second, the government has a subsidy of 60 yuan per person per year, 80 yuan for students from families in difficulty. Third, the standard of treatment is high, and up to 100,000 yuan per year can be reimbursed for hospitalized medical expenses in accordance with the regulations. In case of death, students can also enjoy the pension treatment. Wide range of reimbursement not only for medical expenses incurred due to illness, but also for medical expenses incurred due to accidental injury. Fifth, the procedure is more simple with the "medical certificate" in the designated hospitals, reimbursement of expenses by the city health insurance center and the hospital direct settlement, individuals do not need to advance payment, very convenient and timely. In life, one is afraid of not having money, and the other is afraid of being sick. With medical insurance for individuals, equivalent to have a most important health protection. Nowadays, the average person can't afford to get sick, catch a cold or fever, without a few hundred dollars can't solve the problem, do a small surgery, a few thousand dollars will be easily transferred into the hospital account. Even if you don't get sick, a yearly general medical checkup will cost you a few hundred dollars. To ask about the benefits of medical insurance, you can say:
One, the basic themselves do not spend money, easy to have medical insurance. Monthly personal contribution of only 2% (Beijing's relatively high only 54.68 yuan), but the personal account into the tens of dollars, or not back again.
2, outpatient visits in the starting line above the part, can be reimbursed in accordance with the prescribed proportion of medical expenses;
3, hospitalization during the cost of the starting line above the part, can be reimbursed in accordance with the provisions of a large proportion of the medical expenses (generally more than 80%);
4, in the event of an accidental injury, a major disease or chronic disease, long-term medical expenses have medical insurance
Fourth, in case of accidental injury, major illness or chronic disease, long-term medical expenses are covered by medical insurance, which reduces the financial pressure on the individual;
Fifth, even if one's health is good when one is young, it is difficult to guarantee that one will never get sick when one is old. According to the regulations, they are working, participate in medical insurance accumulated to a certain number of years (male 25 years, female 20 years), in the retirement, you do not have to continue to contribute and can enjoy higher medical insurance treatment (starting line is low, the amount of money back to the individual account is high, the reimbursement rate is higher).
These are real benefits, and I really can't think of any reason not to participate in health insurance.