What does supplementary medical insurance mean?

First, what is supplementary medical insurance?

Different from basic medical insurance, supplementary medical insurance is not enforced by national legislation, but is voluntarily participated by employers and individuals. It is a kind of supplementary insurance that the unit or individual appropriately increases the medical insurance items according to the needs and possible principles after the units and employees participate in the unified basic medical insurance, so as to improve the insurance protection level.

Compared with basic medical insurance, supplementary medical insurance includes enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance, which is a powerful supplement to basic medical insurance and an important part of multi-level medical security system.

Two, supplementary medical insurance reimbursement ratio:

1, the principle of supplementary medical insurance reimbursement is that the part that is not reimbursed by social security is reimbursed from supplementary medical care. For example, the part within outpatient service 1800 and the part outside social security reimbursement 1800, the part within hospitalization 1300 and the part outside social security reimbursement 1300.

2. The reimbursement amount of supplementary medical care depends on the company's own choice. For example, in addition to social security reimbursement, outpatient units can choose to reimburse 60%, 80% or even 90%, and hospitalization is the same. They can choose to reimburse 90%, 95%, etc. after reimbursement, and choose the proportion when insuring.

Three, supplementary medical insurance payment methods:

The premium for supplementary medical care is paid once a year, which can be charged to 4% of the salary, but it does not mean that 4% is paid. If there are personnel changes, the social security is now changed to increase or decrease, and the personnel of supplementary medical care can be changed, refunded or increased in the insurance company with the social security change form.

Legal basis:

Social insurance law

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

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