Can private individuals buy medical insurance at the Social Security Bureau?

Social security can't be bought separately. Generally, there are three kinds of gold or hardware, that is, pension, medical insurance, work injury insurance, unemployment insurance and maternity insurance. According to different regions and units, the insured items are also different. But old-age care and medical care cannot be separated. If necessary, commercial medical insurance can be supplemented separately.

Social medical insurance is a medical insurance system enforced by the state through legislation. Employers and individuals pay insurance premiums in a certain proportion to pay the medical expenses of employees. Social security includes medical insurance. If you want to buy social security, then medical insurance will definitely buy it.

If you don't pay social security, individuals can buy medical insurance for urban residents. Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in the medical insurance for urban employees as the main participants, as follows:

1. Urban residents can bring their 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 their household registration.

2, rural residents can participate in rural cooperative medical care, the village committee will inform me at the time of payment, will be unified;

3, how to find a job, you can choose to set up a pool fund instead of a personal account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary in the previous year; You can also choose to pay 8% of the local average monthly salary in the previous year and establish a personal account.

Extended data medical insurance clauses:

Part of the medical expenses paid by individual outpatient service, drug purchase and hospitalization are directly settled by medical insurance personal account IC card, and the excess expenses are paid by the insured in cash. Within three days of hospitalization, the patient's family members or clients will go to the social security center to register with the medical insurance card. Without registration, the social security center has the right to refuse to insure its medical expenses, except in special circumstances.

Every month 15 to 20, the insured should show their medical insurance card, hospitalization certificate, and? Vocabulary of hospitalization expenses? Receipt to the social security center for reimbursement of medical expenses. Employees who apply for outpatient chronic disease management should first register in the social security center and wait for the notice of the social security center for medical appraisal.

Payment method:

The overall fund has a minimum payment standard and a maximum payment limit. The threshold of medical expenses for the first hospitalization is 1000 yuan; For those who have been hospitalized for many times during the year, the cumulative threshold is 1500 yuan.

The hospitalization expenses below Qifubiaozhun shall be borne by the individual, and the hospitalization expenses above Qifubiaozhun and below the maximum payment limit shall be paid by the overall fund in proportion.

The threshold for hospitalization medical expenses is above 1 10,000 yuan, and the overall fund pays 0.8;

10000 yuan to 25000 yuan of hospitalization expenses, paid by the overall fund of 0.82;

The hospitalization medical expenses of more than 25,000 yuan to 50,000 yuan shall be paid by the overall fund of 0.83.

The proportion of retirees' overall fund payment increased by 5 percentage points per paragraph. According to the regulations, the annual Qifubiaozhun for outpatient medical expenses of special diseases included in the payment scope of the overall fund is 1000 yuan, and the outpatient medical expenses above the Qifubiaozhun are supported by the overall fund.

Basic policies:

The basic medical insurance for employees is for all employers and employees in cities and towns; Basic medical insurance system based on the principle of compulsory participation. The main contents of the basic medical insurance system for employees are:

1. The basic medical insurance for employees covers all employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees. Township enterprises and their employees, owners of urban individual economic organizations and their employees should also participate in the basic medical insurance.

2. The payment method of employee's basic medical insurance is that the basic medical insurance premium is paid by both the employer and the employee. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the contribution rate of on-the-job employees is generally 2% of their wage income.

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