Address: Labor and Social Security Building, Liu Yi Road, Fenghuang Street, Yongding County, Longyan, Fujian.
1. What is the role of medical insurance?
Medical insurance is the abbreviation of social medical insurance, and it is the basic and welfare medical security provided by the state to the public. Usually, minor illnesses and pains, such as colds and fever, pneumonia, bronchitis and so on. , you can reimburse part of the medical expenses during outpatient and hospitalization. Medical insurance is divided into medical insurance for urban and rural residents and medical insurance for employees.
2. What is the difference between residents' medical insurance and employees' medical insurance?
Medical insurance for employees, the insured object is employees, and they have to pay fees every month. The payment base is relatively high, and they have to pay thousands of dollars every year.
Residents' medical insurance, the insured object is residents, and the annual payment is several hundred yuan a year.
Under the same circumstances, the reimbursement ratio of employee medical insurance will be higher than that of resident medical insurance. Assuming that they all see a doctor in a third-class hospital, employees' medical insurance may be reimbursed 80%, and residents' medical insurance may only be reimbursed 50%.
Therefore, if you have a stable work unit, it is recommended to insist on paying employee medical insurance and enjoy employee medical insurance benefits.
3. Can I still enjoy lifelong medical insurance after the payment period is enough?
① Medical insurance for employees: When they reach retirement age and the accumulated payment period reaches the specified period, they do not have to pay premiums after retirement and enjoy medical insurance benefits for life.
For example, in Beijing, for example, men have been married for 25 years and women have been married for 20 years. After retirement, you can enjoy lifelong medical insurance benefits without paying premiums. Note: after retirement, if the payment period before retirement is enough, stop paying medical insurance fees, and you can't use medical insurance during the period of suspension.
② Residents' medical insurance: if you pay for one year, you will be guaranteed for one year. You don't have to pay for many years.
If you are worried that medical insurance is not enough, you can buy another million medical insurance with medical insurance. Minor illnesses and pains are reimbursed by medical insurance, and serious illnesses and minor illnesses are guaranteed by millions of medical insurance. There are no restrictions on the list of diseases and medical insurance. A 30-year-old person can buy 20,000-40,000 insurance coverage for only two or three hundred yuan a year, which is still very cost-effective.
Although this kind of insurance is cheap, it is not easy to buy. You need to give health advice according to your own situation. If you are worried about buying the wrong one, I suggest looking for a professional to help you check it, so as not to suffer losses in the future.