Health insurance refers to the insurance paid by insurance companies to the insured for health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.
Medical insurance application requirements are as follows:
1. Basic information of the applicant, including name, gender, age, ID number, contact information, etc.
2, medical information, including hospital name, department, time, doctor's name, diagnosis, etc. ;
3. Detailed medical expenses, including treatment expenses, medicine expenses, examination expenses, operation expenses, etc.
4. Medical insurance certificate, including medical insurance card, social security card and medical insurance certificate. ;
5, other relevant certificates, such as medical records, inspection reports, doctor's advice, etc.
The process of medical insurance is as follows:
1. Understand the medical insurance policy: you can understand the medical insurance policy and related regulations by consulting the social security bureau, hospitals, insurance companies and other channels;
2. Choose the type of medical insurance: choose the appropriate type of medical insurance according to your own needs, such as basic medical insurance for urban workers, basic medical insurance for urban and rural residents, and commercial medical insurance.
3. Pay insurance premium: pay medical insurance premium to social security bureau or insurance company according to the selected medical insurance types and individual payment standards;
4. Handling medical insurance: After paying the medical insurance fee, you can go to the Social Security Bureau or the insurance company to handle medical insurance;
5. Enjoy medical insurance benefits: When seeking medical treatment, you can enjoy medical insurance benefits with a medical insurance certificate and reimbursement according to the operating procedures stipulated in the medical insurance policy.
To sum up, health insurance includes medical insurance, but the latter is more extensive. On the other hand, health insurance is medical insurance, which is not enough. After all, critical illness insurance, cancer prevention insurance or nursing insurance all belong to health insurance.
Legal basis:
Article 23 of People's Republic of China (PRC) Social Insurance Law
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.