What's the difference between Class I and Class II medical insurance?

The difference between the first and second levels of medical insurance

1, with different reimbursement rates.

For the small partners who pay the first-class medical insurance, the reimbursement rate of the first-class hospitalization of social security can reach 85%, while the reimbursement rate of the second-class medical insurance is only 80%. Then, by analogy, the proportion of reimbursement for secondary and tertiary hospitalization will differ by 5%;

2. Different reimbursement limits

The first social security reimbursement limit is higher. For family account, the reimbursement limit for children's major diseases in family account is different, and there will be specific restrictions in each region, but it is generally around 25%;

3. The payment amount is different

As long as your social security is social security, you should pay a medical insurance. The cost of first-class medical insurance is higher than that of second-class social security, and each region also has different quotas;

4. The principle of seeking medical treatment is different.

A class of insured persons are treated in any designated medical institution in the city, and a class of insured persons are treated in the binding community health center, hospitalized in any designated medical institution in the city, and seriously ill outpatients are treated in prescribed medical institutions;

5, the applicable population is different

It is generally well-known large companies and listed companies that buy a medical insurance; The second type of medical insurance is generally a company-based unit.

The level of medical insurance can be changed. It's just that the medical insurance grade in many places can only be changed once a year. When we change it, we should remember whether we want high reimbursement or low expenses. Once it is changed, it can't be changed this year.

To sum up, there are many differences between primary medical insurance and secondary medical insurance. Of course, no matter what level of medical insurance is paid, everyone should pay medical insurance on time to avoid the failure of payment.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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