What is the significance of large medical mutual insurance for employees?

The large medical mutual insurance for employees is a part of the social insurance for urban employees, which is specially designed to solve the reimbursement problem after the medical expenses of the insured exceed the basic medical insurance limit. The scope of reimbursement is the same as that of basic medical insurance, but the reimbursement amount is larger. While the scope of reimbursement is large, the amount of insurance to be paid will be more.

First, the purchase steps of personal medical insurance

1. If you are an urban resident, you need to bring your ID card, the original and photocopy of the household registration book, and one-inch color photos to the community neighborhood committee or social security office under the jurisdiction of your household registration, and you can purchase them.

2. If it is a rural hukou, then you can purchase the new rural cooperative medical system and register directly with the village committee. Even many villages are collectively funded by the village.

3. If you buy commercial medical insurance, you may be required to open a card in the bank by bringing your ID card, household registration book and one-inch photo to the commercial insurance company.

Second, individuals buy medical insurance.

Individuals need to bring their ID card, unemployment certificate and two 1 inch photos to the local social security center to buy physical medical insurance.

1. The employing unit shall, within 30 days from the date of establishment, apply to the local social insurance agency for social insurance registration with business license or registration certificate and other relevant documents. When an enterprise applies for insurance for the first time, it must bring/kloc-0 copies of its business license, organization code certificate, local tax registration certificate, legal person ID card, basic bank account number and account opening permit, and fill in the Social Insurance Registration Form for Employers (in quadruplicate) to register with the social security center. At the same time, fill in the roster of insured persons (name, ID number, contact number, month of insurance) and report it to the collection department of social security center. After being audited by the social security center, the basic medical insurance premium shall be declared and paid to the local tax department of the enterprise before the next month 10.

2, urban individual industrial and commercial households (freelancers) to apply for insurance, must carry a business license (freelancers with a copy of their household registration book), two copies of my ID card, three one-inch photos, to the social security center for insurance procedures, the establishment of social insurance relations (floating population must carry the local social security department for the first time not insured certificate).

3. When applying for insurance, the unemployed in an enterprise shall bring the Manual of Medical Insurance, the Notice on the Calculation of Renewal and Cohesive Payment Period of Medical Insurance Premium issued by the enterprise, and the documents on the termination of the labor contract to the social security center for renewal procedures.