Is it cost-effective for individuals to pay for health insurance?

Very cost-effective. Although it is more expensive for individuals to pay their own medical insurance for employees than for urban residents, medical insurance is mainly aimed at serious diseases, and ordinary minor diseases can be afforded by themselves. Once they are seriously ill, the proportion of reimbursement is still quite large. Many people go bankrupt because there is no insurance. If possible, you'd better buy another medical insurance. The reimbursement rate is also much higher, the maximum annual reimbursement amount is also much higher, and the amount of personal accounts is also returned.

Personal delivery operation is as follows:

1, you can apply for social security for flexible employees in the filed talent center, or you can apply for old-age medical insurance for residents in the household registration, but neither of these social security pays maternity insurance, and the expenses of childbirth can only be reimbursed by medical insurance.

2. If you belong to a company and can pay five insurances, it is better for the company to pay. If you have paid maternity insurance 1 year at the time of childbirth, you can use maternity insurance to reimburse related expenses.

If you are affiliated with a company, the cost will definitely be higher than the first two. If the man has maternity insurance, he can also use the reimbursement part of the man.

The difference between medical insurance and self-funded medical care

First, the most obvious difference between medical insurance and self-funded is that medical insurance can reimburse a certain proportion of medical treatment in hospitals, which is less than self-funded expenses. See as much as you want at your own expense. In China, there are many kinds of medical insurance. Take my area as an example, there are the new rural cooperative medical system, urban and rural residents' medical insurance and enterprise employees' medical insurance, and the reimbursement ratio of the three is different.

Second, the difference between self-payment, conceit and self-payment on medical insurance statements

1. Personal self-payment: refers to the expenses that are within the scope of the policy but need to be borne by the individual, and usually consists of four parts.

(1) The part below the medical insurance deductible line and above the capping line;

(2) Class B out-of-pocket expenses refer to the out-of-pocket expenses of Class B drugs and medical treatment items. Although they are included in the scope of medical insurance policies, the insured must pay a certain proportion first, such as Class B drugs 10% and Class B medical treatment items 20%.

(3) The over-limit amount refers to the over-limit amount, which is the standard unit price paid by medical insurance for nails, Class B drugs, diagnosis and treatment items and consumables, although they are included in the scope of medical insurance policy.

(4) The rest shall be included in the reimbursement amount of medical insurance according to the corresponding proportion.

2. Personal expenses: refers to expenses not covered by the medical insurance policy, including self-funded drugs, self-funded medical items and self-funded services.

3. Personal conceit: it is the cost that you need to bear after the medical insurance reimbursement in the total medical expenses, that is, the individual pays+the individual pays.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 23 of the Social Insurance Law

Employees should participate in employee medical insurance, and employers and employees should pay basic medical insurance premiums in accordance with state regulations.