I. After the insured person is sick and incurs medical expenses for medical treatment, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks borne by the workers due to illness and treatment.
Two, the basic medical insurance to pay part of the cost of diagnosis and treatment items range
(a) diagnostic and treatment equipment and medical materials category
1, the application of X-ray computed tomography (CT), stereotactic radiography (γ-knife, χ-knife) X-ray machine (including digital subtraction equipment), cardiac and angiographic X-ray machine, magnetic **** vibration imaging device (MEI), single photon emission computerized scanning device (SPECT), color Doppler, medical linear gas pedal and other large-scale medical equipment for the examination and treatment of the project;
2, extracorporeal shockwave lithotripsy and hyperbaric oxygen therapy
3, pacemakers, Artificial joints, artificial crystals, vascular stents in vivo replacement of artificial organs, in vivo placement of materials
4, the provincial pricing department of the disposable medical materials that can be charged separately.
(B) treatment project category
1, hemodialysis, peritoneal dialysis
2, kidney, heart valves, cornea, skin, blood vessels, bone, bone marrow transplantation
3, cardiac laser perforation, anti-tumor cellular immunotherapy and fast neutron therapy projects.
(3) Examination and treatment items of medical instruments and equipment and medical materials with a single cost of more than $400.
Third, the benefits of employee health insurance:
Coverage available under corporate employee health insurance includes the usual normal outpatient and hospitalization expenses. Major illness assistance requires additional coverage on top of the normal medical insurance. There are no rates for major illnesses, and they are all covered by the individual.
According to the provisional regulations, the working staff (employed) and flexibly employed persons will be credited monthly in accordance with the following ratios: for those under 35 years of age, 3% of the contribution base will be credited; for those above 35 years of age (including 35 years of age) and less than 45 years of age, 3.5% of the contribution base will be credited; for those above 45 years of age (including 45 years of age), 4% of the contribution base will be credited. 4% credited.
Expanded Information
Difference between Employee Health Insurance and Resident Health Insurance
1, the different people who buy health insurance
Employee Health Insurance: refers to the unit or company that employs the staff to participate in the basic medical insurance in accordance with the Shenzhen policy for the staff.
Resident health insurance: is not participating in the employee health insurance, and does not have any medical insurance personnel to participate in the social health insurance system. (Purchase of individual health insurance are some of the people without formal work, receive low income or students and other groups, employee health insurance is faced with in the work of wage earners, such as small business)
2, the cost of different sources,
Resident health insurance: a small portion of the individual to pay for the financial subsidies
Employee basic health insurance: by the employer and the employee I pay in accordance with a certain percentage, *** with the same commitment.
3, the time and frequency of payment is different
Employee's medical insurance: are automatically deducted every month, and are paid on the day of payroll. The minimum contribution period for Guangzhou health insurance is 15 years.
Resident's health insurance: usually you pay once a year. And there is no limit to the number of years a resident can contribute to the medical insurance, the insured resident pays the fee that enjoys the medical insurance treatment, and stops enjoying it if they don't pay the fee. If overdue payment, there will be a corresponding late fee, and if the monthly re-payment of fees during the medical expenses. The first thing you need to do is to make up the outstanding fees
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