The difference between medical insurance and overall planning

The difference between medical insurance and overall planning: medical insurance is a social insurance system, which provides reimbursement and compensation for medical expenses for the insured; Overall planning is a management method of medical insurance. By integrating different medical insurance plans, the unified allocation of resources and risk sharing can be realized. Medical insurance is a specific insurance system and overall planning is a management mechanism.

Medical insurance and overall planning are two different concepts, which play different roles in the medical security system.

Medical insurance, also known as medical insurance, is a social insurance system, which aims to provide reimbursement and compensation for medical expenses for the insured. Medical insurance is usually managed by the government or social organizations, and funds are raised to pay the medical expenses of the insured through regular payment of insurance premiums. The goal of medical insurance is to ensure that the insured can get necessary medical treatment when he is sick or accidentally injured, and reduce his economic burden. The scope and reimbursement ratio of medical insurance will vary according to different countries, regions and medical insurance plans.

Overall planning refers to a management method in the medical insurance system, that is, integrating different medical insurance plans into a unified management system to realize the unified allocation of resources and risk sharing. Through overall planning, the problems of repeated participation and reimbursement can be avoided and the efficiency and fairness of medical insurance can be improved. Co-ordination is usually managed by the government or relevant institutions, responsible for formulating unified rules and policies and coordinating the cooperation and collaboration between different insurance plans.

Therefore, the difference between medical insurance and overall planning lies in: medical insurance is a social insurance system, which aims to provide reimbursement and compensation for medical expenses for the insured; Overall planning is a management method in the medical insurance system. By integrating different medical insurance plans, the unified allocation of resources and risk sharing can be realized. Medical insurance is a specific insurance system and overall planning is a management mechanism.

Medical insurance and overall planning are two different ways of health protection. Medical insurance refers to the medical insurance guarantee to deal with sudden medical expenses by paying a certain fee. Usually provided by the government or social insurance institutions, it covers a wide range, including basic medical care, outpatient service, hospitalization and so on. Overall planning is an overall coordination arrangement aimed at providing comprehensive medical security. Overall planning is usually managed by the government or social insurance institutions, which provides a comprehensive medical security scheme by integrating various medical resources and services. It emphasizes the rational distribution and utilization of medical resources and fair and just medical services. Although both medical insurance and overall planning are aimed at protecting people's health, their methods and objectives are different, and each has its own advantages and disadvantages. It is very important to choose the appropriate protection method according to the individual's needs and actual situation.

Legal basis:

People's Republic of China (PRC) (China) Social Insurance Law:

Chapter III Basic Medical Insurance

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.