How to use medical insurance? What's the use of social security?

Legal analysis: 1, the role of medical insurance

(1) After completing the payment period, the insured person can enjoy the rights of lifelong basic medical insurance, medical reimbursement and medical insurance benefits after retirement.

(2) The personal medical insurance account is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase.

2, the role of social security

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. Medical insurance is a kind of social insurance, in addition, it also includes pension insurance, unemployment insurance, work injury insurance and maternity insurance. Together, they are the function of social security.

(1) The purpose of old-age insurance: to receive a pension after retirement and enjoy funeral expenses and pensions;

(2) The purpose of unemployment insurance: after unemployment, you can receive unemployment insurance benefits and medical expenses and enjoy subsidies;

(3) The purpose of industrial injury insurance: to pay for treatment, living care, disability allowance and disability subsidy;

(4) Use of maternity insurance: you can enjoy maternity leave (about 90 days), maternity allowance and maternity grants.

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.