Medical insurance bureau, Hubei Telephone

The telephone number of xiaoyang county medical insurance bureau in Hubei province is 07 14-7329678. You can also call the medical insurance hotline at 9922 18 for information. The address of the Medical Insurance Bureau of Yangxin County, Hubei Province is No.64, Lingyuan Avenue, Yangxin County. Working hours are 8: 30am-12: 00pm-18: 00pm. Yangxin county medical insurance bureau is to ensure the implementation of the central government's principles, policies and decision-making arrangements on medical security work, and to implement the work requirements of the provincial party Committee, municipal party Committee and county party Committee. Adhere to and strengthen the party's centralized and unified leadership over medical work in the process of performing duties.

1. Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance. Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance.

There are similarities and differences between the above two kinds of medical insurance. The same thing is that you can only get insurance benefits if you are sick. The main difference is that general medical insurance belongs to various types, that is, all kinds of diseases can get insurance benefits. Special medical insurance is a special category, that is, diseases or operations clearly listed in the insurance contract can get insurance compensation. Medical insurance introduced by insurance companies often combines some of the above two types of insurance.

2. Subsidy payment type. In short, the subsidized medical insurance is the medical insurance that the insurance company pays the insurance premium to the insured by time, by day or by project according to the subsidy standard stipulated in the contract. Claims have nothing to do with actual medical expenses, and invoices are not needed. It is suggested that the reimbursement of medical expenses should be considered first when purchasing medical insurance, and then the compensation for losses caused by hospitalization can be considered. Only by consolidating the basic security and supplementing it on this basis can we add icing on the cake. People with adequate social insurance can give priority to subsidizing medical insurance when choosing medical insurance. Insurance principle In insurance, there is a question whether the compensation principle is applicable to health insurance. This problem cannot be generalized. The principle of compensation means that "the compensation obtained by the insured cannot be higher than its actual loss". Subsidized medical insurance is not applicable, and the payment of insurance benefits has nothing to do with actual losses. In fact, its design principle is to consider the wage loss caused by sick leave during the hospitalization of the insured, so it is agreed in the contract that the subsidy fee will be paid according to the number of days of hospitalization. Regardless of the actual hospitalization expenses, it has nothing to do with the actual economic losses. It is a kind of "fixed value insurance".