What's the difference between Jikangbao and Million Medical Insurance?

Medical insurance for employees in Jilin Province (Jikangbao) is the basic medical insurance for employees, which is suitable for employees employed in Jilin Province. Millions of medical insurance is a kind of commercial medical insurance, and different protection schemes can be selected, which are suitable for medical expenses of different groups or situations.

Medical insurance for employees in Jilin Province (Jikangbao) is a government-led basic medical insurance system for employees, which is suitable for employees employed in Jilin Province. The main features include: enterprises and individuals pay insurance premiums together; Wide coverage, can enjoy basic medical services in designated medical institutions; Unified reimbursement ratio and payment limit, etc. The goal of Jikangbao is to provide basic medical security for employees and help them cope with medical expenses such as common diseases and accidental injuries. Million medical insurance is a kind of commercial medical insurance, which is different from the social insurance system implemented by the government. Millions of medical insurance can choose different protection schemes according to the needs and economic ability of the insured, which are suitable for medical expenses of different groups or situations. Its main features include: insurance services provided by insurance companies; The premium is calculated according to the age, sex, occupation and other factors of the insured; The insurance amount can reach one million; You are free to choose hospitals and doctors. It should be noted that the coverage and reimbursement ratio of millions of medical insurance may be different due to different insurance companies and insurance schemes. When choosing millions of medical insurance, you should fully understand the product content and terms, and choose according to your actual situation.

How to choose the medical insurance that suits you? Choosing medical insurance needs to consider many factors, such as personal economic strength, occupation type, family members, medical needs and so on. It can be considered from the following aspects: 1. Medical insurance: Different types of medical insurance coverage may be different, and you need to choose according to your actual needs. 2. Cost burden: The cost of different types of insurance may vary greatly, which needs to be considered in combination with personal economic strength. 3. Reimbursement ratio and payment limit: Different medical insurance may have different reimbursement ratio and payment limit for medical expenses, so you need to choose according to your actual situation. 4. Service quality: When choosing commercial medical insurance, you need to know the credit standing and service quality of the insurance company.

Legal basis:

Article 28 of the Social Insurance Law of People's Republic of China (PRC) shall strengthen social supervision over the collection, use and supervision of social insurance funds, and accept the supervision of NPC deputies, CPPCC members, social organizations and their organizations and citizens.