Is it better to buy medical insurance in your hometown or abroad?

Medical insurance is a social insurance system based on the domicile. Generally speaking, the place where medical insurance is insured is consistent with the place where the individual's household registration is located or the place of permanent residence. The following factors need to be considered when choosing to participate in medical insurance in the domicile (hometown) or in the habitual residence (field):

1.** Medical Habits * *: If you often seek medical treatment in your hometown, or plan to seek medical treatment in your hometown in the future, it may be more appropriate to have insurance in your hometown. If you live in other places and often seek medical treatment in other places, it is recommended to take insurance in other places.

2.** Medical resources * *: Medical resources may be different in different regions. Generally speaking, big cities are richer in medical resources. If you work and live in a big city, you may be more inclined to join the insurance in the workplace and enjoy a higher level of medical services.

3.** Reimbursement policy * *: There are differences in medical insurance reimbursement policies from place to place, including reimbursement ratio, reimbursement scope and designated hospitals. Usually, the proportion of direct reimbursement of medical expenses in insured places is high, and the reimbursement procedures in different places may be more complicated.

4.** Mobility * *: If your work and life are relatively stable and you don't often move across regions, you can choose to join the insurance at your permanent residence. If work and life change frequently, it is necessary to understand the policy of medical treatment and transfer in different places and choose a more flexible and convenient place to participate in insurance.

5.** Convenient insurance * *: It may be more convenient to apply for insurance in the place where the household registration is located, especially for some elderly people.

6.** Policy changes * *: The medical insurance policy may change, so we should pay attention to the relevant policy updates, especially the policy of direct settlement of medical treatment in different provinces.

Considering the complexity of medical insurance policy and the difference of personal situation, it is suggested that you choose the most suitable place to participate in the insurance according to your actual situation and needs, combined with local medical insurance policy. If necessary, you can consult the local social insurance management institution or the human resources and social security department.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

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.