Most areas have introduced Huimin insurance for local basic medical insurance participants, and the premium is cheap. Consumers who meet the participation conditions can voluntarily take out insurance according to their actual needs after reading the terms of protection and reimbursement in detail.
Huimin insurance belongs to inclusive supplementary medical insurance. It has the following characteristics:
I. Inclusive insurance
Specifically, it is the local government-guided and inclusive supplementary medical insurance. Huimin insurance is a supplement to the national basic medical insurance and a kind of medical insurance.
Take the local Danhuibao in Dandong as an example: the organizers of Danhuibao are: Municipal Agriculture and Rural Bureau, Banking Insurance Supervision Branch, Medical Insurance Bureau, Municipal Insurance Industry Association and other units, which are underwritten by PICC Dandong Branch.
Second, the scope of the insured is wider.
Pure commercial insurance has a high entry threshold for the insured, but Huimin insurance has a wide range of insured. No age, occupation or household registration. Take Dan Bao Hui as an example: As long as you have participated in the basic medical insurance in Dandong, you can participate.
Third, the premium is lower than pure commercial insurance.
Because Huimin insurance belongs to the nature of the whole people, the purpose is to make more people look down on illness and return to poverty due to illness, so the premium of Huimin insurance is very low.
The premium of Huimin insurance varies from place to place. But most of them don't exceed 100 yuan a year, which is very affordable. No matter how old you are, everyone has a standard, especially the elderly. Take "Danhuibao" as an example, each person pays the premium of 59 yuan every year, and the amount of protection is 2 million yuan, which is a veritable act of benefiting the people.
Fourth, play the role of supplementary medical care.
The function that Huimin insurance can play is a supplement to basic medical insurance. Assuming that the insured is unfortunately suffering from a serious illness, after the medical insurance reimbursement, it can be reimbursed, effectively reducing the economic pressure on the family.
An analysis of the reasons for the development of Huimin Daily;
With the improvement of people's living standards, the total expenditure of medical expenses has increased year by year, but the proportion of commercial insurance expenditure in the total expenditure is small and its role is insufficient. According to the latest data of National Health Commission, the total national health expenditure is expected to reach 7.23 trillion yuan in 2020, and the personal health expenditure is 2 trillion yuan, accounting for 27.7%, excluding the government and medical insurance. The personal burden of national medical expenses is still heavy, which has laid the foundation for the explosive growth of commercial medical insurance.
Since 2020, from the top-level design of the central government to the specific measures in various places, the development of supplementary medical insurance and commercial health insurance has been regarded as the main starting point for establishing a multi-level social security system. The emergence of Huimin insurance conforms to this trend.
The effective connection between Huimin insurance and local basic medical insurance, focusing on protecting residents' serious diseases, can effectively protect the insufficient medical insurance compensation in the medical insurance catalogue, is conducive to building a multi-level medical security system and reducing the medical burden of ordinary people, and has a good public and market foundation.
In terms of product form and operation mode, it is different from traditional commercial insurance and critical illness insurance. Huimin insurance is closely linked to local medical insurance (funds, compensation, medical history, etc.). ), and its price is low. At present, the annual premium paid by Huimin insurance projects in most cities is about 100 yuan, and the maximum insured amount generally exceeds 100 million yuan, which meets the psychological expectations of ordinary people and makes them highly active in insurance.
On the basis of low premium and high insurance coverage, Huimin insurance also has innovative features such as "low entry threshold, convenient claim settlement and city customization".
legal ground
People's Republic of China (PRC) social insurance law
Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.