The difference between individual co-payment and individual out-of-pocket payment in medical insurance

The difference between individual co-payment and individual out-of-pocket payment in medical insurance:

1. Individual co-payment: medicines, items and materials within the scope of payment by the medical insurance fund, part of which requires the insured to pay a certain percentage upfront;

2. Individual out-of-pocket payment: medicines, items and so on outside the scope of payment by the medical insurance fund are paid for in full by the insured;

3. refers to the expenses outside the scope of reimbursement that are fully borne by the individual;

4. Individual out-of-pocket refers to the expenses that are within the scope of reimbursement but need to be partially borne by the individual.

Self-funded payment of social security accounting methods:

First, if the unit employees, only 8% of the individual part of such cases, so it is very cost-effective, this situation can be more than to pay more, fully enjoy the country, the unit's welfare policies;

Second, if the flexible employment personnel, to pay 20% of such cases, it is necessary to be careful point, because the money paid by the self. The money, only 40% is into the personal account, the remaining 60% is into the co-ordinated account, that is, to the current retired workers payroll. If you die, the refund is the balance of the personal account interest, live long enough to lose money.

To summarize, investing in social security is also regarded as forcing oneself to save. The older you get, the higher the risk factor of disease and accident, and with health insurance, you can be reimbursed for weekday visits to the doctor.

Legal basis:

"Chinese People's **** and the State Insurance Law"

Article 18

(1) The insurance contract shall include the following matters:

(2) the name and domicile of the insurer;

(3) the name or name and domicile of the policyholder, the insured and the name or name and domicile of the beneficiaries of the life insurance

(4) the subject matter of insurance;

(5) insurance liability and exemption from liability;

(6) the insurance period and the commencement of insurance liability;

(7) the amount of insurance;

(8) the premiums and the method of payment;

(9) the responsibility for breach of contract and the handling of disputes;

(10) the year, month and year of conclusion of the contract;

( (10) The year, month and day of the conclusion of the contract. The policyholder and the insurer may agree on other matters relating to insurance. Beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract who has the right to claim insurance benefits. The policyholder and the insured can be the beneficiary. The insurance amount refers to the maximum limit of the insurer's liability for compensation or payment of insurance benefits.