In China, with the increasing attention paid by enterprises to employee welfare, group medical insurance has gradually attracted attention. When employees need medical care due to illness or accidental injury, group medical insurance can provide certain expenses reimbursement or medical services for employees. This not only reflects the enterprise's concern for employees, but also enhances employees' sense of belonging and loyalty to the company.
The difference between group medical insurance and individual medical insurance;
The main difference between group medical insurance and individual medical insurance lies in the applicant, insurance scope, premium and security content. Group medical insurance is purchased by companies or other organizations for all employees, and usually part or all of the premium is borne by enterprises or organizations. Personal medical insurance is purchased by individuals themselves, and the premium is entirely borne by individuals. In terms of coverage, group medical insurance may be designed according to group characteristics, such as occupational diseases, while individual medical insurance is more flexible and can be selected according to individual needs.
To sum up, group medical insurance is a kind of medical insurance purchased collectively by a group or organization for its members, aiming at providing medical expenses reimbursement or medical services for members. Compared with individual medical insurance, there are differences in insured, premium and coverage.
Legal basis:
People's Republic of China (PRC) insurance law
Article 35
The employer shall pay the work-related injury insurance premium according to the total wages of its employees and the rate determined by the social insurance agency.