What is the role of basic medical insurance in social security?

Basic medical insurance is a social insurance system established to compensate workers for economic losses caused by disease risks.

Moreover, the new medical insurance regulations came into effect in May 1, and Dad also compiled relevant information. Let's see what changes have taken place in medical insurance. May 1 What impact does the new medical insurance regulations have on us? 》

1. What are the advantages of medical insurance over commercial medical insurance?

1. You can insure against illness.

As a basic medical benefit given by the state to the people, medical insurance will not dislike you because of your past medical history. You can buy sickness insurance.

2. Guaranteed updates

Most of the commercial medical insurance on the market is one year or several years, and there is no renewal guarantee.

Medical insurance is the only medical insurance that can guarantee renewal.

3. Long-term effectiveness and lifelong enjoyment

When we pay the fees according to the requirements of the state within the specified time, we can enjoy the treatment of medical insurance for life.

2. What are the disadvantages of medical insurance compared with commercial medical insurance?

1. The guarantee is not comprehensive enough.

Medical insurance is a welfare policy, which can only meet the daily basic medical security needs for us.

But it can't cover the main risks of the family, such as the risk of serious illness and accidents.

2. The reimbursement amount is low.

The treatment of serious illness generally takes the form of advance payment before reimbursement, and the maximum amount of reimbursement is limited.

3. Medical restrictions

In some areas, medical insurance reimbursement needs to go to designated hospitals, and it is impossible to choose the location of medical treatment.

This limits the resources for medical treatment and may not enjoy better medical treatment to a certain extent.

4. Drug and cost restrictions

When we went to the hospital, many drugs were not covered by social security, so they were self-funded drugs and were not reimbursed.