The reimbursement rate is around 70%. Medical insurance, also known as medical social insurance, is the core of disease insurance. It refers to a social insurance system that provides medical services and income compensation to workers when they are sick, injured, disabled or dead. The basic medical insurance for urban residents is one of the twelve livelihood projects of the provincial government and twenty livelihood projects of Anqing municipal government. Incorporating primary and secondary school students in our city into urban residents' medical insurance reflects the concern and love of the party and the government for the majority of students. As one of the social insurances run by the government, it has obvious advantages: 1. The standard for students with low individual contributions is 90 yuan per person per year, and individuals only need to pay 30 yuan (students from poor families such as Class A and B low-income households and severely disabled people only need to pay per person per year 10 yuan). Two, the government has subsidies, subsidies to 60 yuan per person every year, students from poor families subsidies to 80 yuan. Third, the treatment standard is high, and the hospitalization medical expenses that meet the requirements can be reimbursed up to 654.38+10,000 yuan per year. You can also enjoy pension benefits if you die for some reason. Fourth, the scope of reimbursement is wide. Not only can medical expenses incurred due to illness be reimbursed, but also medical expenses incurred due to accidental injuries can be reimbursed. Fifth, the procedure is relatively simple. You can go to the designated hospital with the "Diagnosis Certificate", and the reimbursable expenses will be directly settled by the municipal medical insurance center and the hospital. Individuals do not need to pay in advance, which is very convenient and timely. In this world, one is afraid of having no money and the other is afraid of getting sick. With personal medical insurance, it is equivalent to having the most important health insurance. People nowadays can't afford to get sick, catch a cold and have a fever. They can't solve the problem without a few hundred dollars. With a minor operation, thousands of dollars can be easily transferred to the hospital account. Even if you don't get sick, it costs several hundred yuan to have a full-body examination every year. To ask about the benefits of medical insurance, you can say:
First, I basically don't spend money, so it's easy to have medical insurance. Individuals only pay 2% a month (relatively high in Beijing is 54.68 yuan), but personal accounts account for tens of dollars, which is why they come back. If the unit spends money and enjoys it, there will be no economic burden;
Two, outpatient medical deductible above, according to the provisions of the proportion of reimbursement of medical expenses;
Three, hospitalization expenses above the deductible, according to the provisions of a large proportion of reimbursement of medical expenses (generally more than 80%);
Four, in case of accidental injury, major diseases or chronic diseases, long-term medical expenses have a greater burden of medical insurance, to reduce personal economic pressure;
Even if you are healthy when you are young, it is difficult to guarantee that you will never get sick when you are old. According to the regulations, those who have participated in medical insurance at work for a certain number of years (25 years for men and 20 years for women) can enjoy higher medical insurance benefits without continuing to pay after retirement (the deductible is low, the amount returned to personal accounts is high, and the reimbursement ratio is higher).
These tangible benefits, I really can't think of any reason not to participate in medical insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.