We all know that medical insurance is the basic social medical insurance, which has a low threshold and can be joined as soon as it is born. Rural new rural cooperative medical system, urban medical insurance and employee medical insurance are all social medical insurance.
The cost is low, the insurance is not refused, and the reimbursement ratio is still very high. Moreover, you can take insurance against illness, and you won't enjoy the national medical welfare policy because you have had a minor illness or a serious illness.
However, medical insurance can only reimburse the expenses within the scope of the medical insurance catalogue, not all 100%, and the expenses that cannot be reimbursed must be paid by the individual.
You must pay for imported drugs, drugs at your own expense and expenses exceeding your annual reimbursement limit.
Therefore, in order to spend less money when you are sick, you can buy commercial insurance to make up for the limited reimbursement of medical insurance.
Classification of health insurance types
medical insurance
That is, medical expenses insurance refers to the insurance that pays the insurance premium based on the agreed medical expenses, that is, the insurance that provides medical expenses protection. It is one of the main contents of health insurance, including not only the doctor's medical expenses and operation expenses, but also the expenses of hospitalization, nursing and hospital equipment.
sickness insurance
Refers to the insurance with illness as the payment condition, including general illness insurance and critical illness insurance. Usually, the insurance coverage of this policy is relatively large, and the payment method is generally to pay the insurance coverage in one lump sum immediately after the diagnosis of a special disease [1].
Income security insurance
It refers to insurance with the condition that income is interrupted or reduced due to accidental injury or illness. Specifically, it refers to a form of insurance in which the insurer pays the insurance money in installments within a certain period of time when the insured is disabled due to illness or accidental injury.
Nursing insurance
Long-term care insurance is a health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness or disability. The insurance scope is divided into four levels: medical care, intermediate care, nursing care and home care, but the early long-term care insurance products did not include home care.