What's the difference between medical insurance brackets

Nowadays, basically everyone is equipped with their own medical insurance, people who have a job to pay for employee medical insurance, no work or part of the flexible employment to pay for residents' medical insurance. So what's the difference between the first and second grades of medical insurance? Here's a look. 1, the contribution ratio is different

. The first class of medical insurance contribution ratio for the unit to pay personal contribution of 2%. The second class of medical insurance contribution ratio for the unit to pay individual contributions to the contribution base for the previous year the average monthly salary of employees on the job, the total payment of yuan. 2, applicable to different people

. Medical insurance first class: the purchase of the general well-known large companies listed companies, etc.; medical insurance second class: generally more for the company type of unit to pay the second class medical insurance. 3, different principles of access to health care

. First-rate participants: the city of any certain point of medical institutions; second-rate participants outpatient in the binding community health center, hospitalization in the city of any certain point of medical institutions, outpatient serious illnesses in the provisions of the medical institutions. 4, hospitalization reimbursement is different

. First class: 90% of the hospitalization report, need to be hospitalized in the designated hospital; second class: 90% of the hospitalization report, need to be hospitalized in the designated hospital.5, outpatient reimbursement is different

. First-rate: 12 months of continuous participation, annual out-of-pocket expenses exceeding 3131 can be reimbursed 70%; community health outpatient clinic reported 30%; large-scale equipment examination reported 80%; second-rate: annual outpatient costs of 1,000 yuan, need to be bound to the community hospital, outpatient large-scale equipment examination and treatment of a single maximum of 120.6, the different requirements of the time to participate in the insurance

. First-rate participants have been continuously insured for one year, in the same medical insurance year, out-of-pocket basic outpatient medical expenses and medical expenses of the local subsidized supermarkets in the average wage of 5% of employees, the excess part of the integrated fund in accordance with the provisions of the payment of 70%, while the second-rate participants do not have a specific time requirements.