Which is better, employee medical insurance or urban and rural residents medical insurance?

Medical insurance for employees and medical insurance for urban and rural residents have their own advantages, and both follow the principle of paying more and ensuring more. If conditions permit, it is definitely recommended to buy employee medical insurance. But if you live in the countryside and your income is not high, it is not recommended that you buy employee medical insurance yourself. You can choose medical insurance for urban and rural residents. After all, buying medical insurance in the company is most suitable for employees. Enterprises need to bear about 8%, and employees should bear 2%.

If you buy in your own name, you need to bear the money yourself.

1 From the premium point of view, medical insurance for urban and rural residents is more cost-effective, and it only needs to be paid once a year, while medical insurance for employees needs to be paid monthly.

2 In terms of reimbursement, medical insurance for employees is more cost-effective, accounting for about 80% of hospitalization reimbursement for medical insurance for employees and 60% of hospitalization reimbursement for medical insurance for urban and rural residents.

From the perspective of insurance integrity, employees' medical insurance is better, because they can enjoy it for life after 25 years of continuous payment, and a sum of money is credited to the personal medical insurance card every month, which is not available for urban and rural residents' medical insurance.

The scope of the basic medical insurance to pay part of the cost of diagnosis and treatment projects.

Diagnosis and treatment equipment and medical materials

1, using X-ray computed tomography (CT), stereotactic radiotherapy device (γ knife, χ knife), cardiac and angiographic X-ray machine (including digital subtraction equipment), magnetic resonance imaging device (MEI), single photon emission computerized scanning device (SPECT), color Doppler instrument, medical linear accelerator and other large medical equipment.

2. Extracorporeal shock wave lithotripsy and hyperbaric oxygen therapy.

3 pacemakers, artificial joints, intraocular lenses, artificial organs replaced by vascular stents, and materials implanted in the body.

4, the provisions of the provincial price department can be charged separately for disposable medical materials.