The difference between high-grade and low-grade medical insurance

The difference between high-grade and low-grade medical insurance lies in the different reimbursement rates, and the relevant provisions are as follows:

1, the biggest difference between low-grade and high-grade is the different reimbursement ratio. The reimbursement rate for low-end products is 60%, and that for high-end products is 90%. A simple understanding is the era of high-end over-reporting, low-end under-reporting, and reimbursement by percentage;

2. Low-grade social security payment costs are low, and the balance of personal account funds is also small. When calculating the pension in the future, the average contribution index converted into the formula will be low, resulting in less pension, while the social security retirees with high contribution ratio will receive higher pension than the low-grade social security. The basic medical insurance for urban and rural residents is to integrate the basic medical insurance for urban residents (referred to as urban residents' medical insurance) and the new rural cooperative medical system (referred to as the new rural cooperative medical system) and establish a unified basic medical insurance system for urban and rural residents (referred to as urban and rural residents' medical insurance).

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

essay

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.