There is medical insurance in the social security paid by the company. You pay 2 yuan every month. It is said that you can't deduct money or discount medicine. What's the use of this medical insurance

There is medical insurance in the social security paid by the company. You pay 2 yuan every month. It is said that you can't deduct money or discount medicine. What's the use of this medical insurance? Enjoy treatment according to uniform standards. The same access conditions, the same fees, the same treatment, there is no difference between high and low. The employee's outpatient expenses can be deducted from his personal account and paid by the employee after deduction. The hospitalization expenses of employees shall be reimbursed in proportion: 1 1,000 yuan, and 86% of the expenses shall be reimbursed by tertiary hospitals; 65,438+0,000 to 20,000 yuan, and 88% of the expenses are reimbursed by tertiary hospitals; 20,000 to 40,000 yuan, and 92% of the expenses are reimbursed by tertiary hospitals. If employees have not been sick for several years in a row, personal account funds can be accumulated.