The difference between social security registration and self-funded registration

There are the following differences between medical insurance registration and self-funded registration:

1. If you register with social security, the doctor must use a prescription for medical insurance, and fill in the unit and medical insurance card number in detail; If it is at their own expense, the doctor will write a lot less;

2. Patients who use medical insurance during hospitalization and patients who pay their own expenses are managed separately, because it is convenient for superiors to check. Social security patients have more requirements for hospitalization days, medical record writing and medication.

If you use medical insurance, the state will reimburse a considerable part of medical expenses, but if you pay for it at your own expense, you will have to bear 100% of the expenses. But not every medicine can be reimbursed, so generally speaking, hospitals will ask whether to use medical insurance or pay for themselves before seeing a doctor. If it is medical insurance, it will try to prescribe some state-subsidized drugs. Moreover, if you see a doctor at your own expense, the doctor will prescribe some drugs that are out of range, which requires the patient's consent. Strict hospitals will also require patients to sign self-funded consent forms.

The characteristics of medical insurance are as follows:

1, the object is universal, that is, medical insurance is everywhere, everyone has the possibility of getting sick, and it is difficult to get rid of it, so this kind of insurance includes every citizen in society and covers a wide range of objects;

2. The fields involved are extensive and complex, not only permeated with various rights and obligations, such as doctors, patients, employers, etc. It can also effectively induce and control the behavior of people who enjoy medical services and provide services. Medical insurance is not only related to the economic development of the country, but also to the supply and demand of medical services;

3. The risk of illness is sudden and frequent, not determined by people's subjective will, so it is decided that the payment of medical insurance is also short-term and frequent;

4, the form of compensation is special, because everyone lives in different areas, suffers from different diseases and spends different medical expenses, so it is decided that medical insurance should be compensated according to the actual situation, which varies from person to person and from place to place;

5. The calculation and control of medical insurance premium is very complicated. The fundamental purpose of social medical insurance is to ease the interests of all walks of life and avoid the political and social shocks brought by economic shocks. A perfect social security system has become an important symbol of modern social civilization.

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.