What does medical insurance mean at its own expense?

Self-funded medical insurance refers to the situation in medical insurance coverage where patients choose to buy drugs, medical services or medical equipment other than medical insurance during medical treatment and need to bear all or part of the expenses themselves.

Under normal circumstances, the medical insurance fund can only reimburse medical expenses within the scope of medical insurance. If patients choose to buy drugs or services other than medical insurance, they need to bear the corresponding expenses themselves, which is called self-expense. It should be noted that self-funded medical insurance refers to the situation of choosing self-funded within the scope of medical insurance, not the situation of self-funded patients who have not participated in medical insurance. In addition, some hospitals or doctors may sell some drugs or services other than medical insurance to patients, and patients need to bear the corresponding expenses if they choose to buy them.

The role of medical insurance:

1, which can stabilize social life;

2, redistribution can be realized;

3. It can promote economic development;

4. In most areas, buying a car and buying a house is linked to social security, and it is required to pay social security for a certain period of time before buying a car and buying a house locally;

5, the use of work-related injury insurance, payment of treatment fees, living care fees, disability benefits and disability allowances;

6. Those who use maternity insurance can enjoy maternity leave and maternity allowance from maternity grants.

To sum up, in the process of seeking medical treatment, patients need to know the medical insurance policy and their own medical insurance scope, and make choices according to the actual situation to avoid unnecessary self-expense.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

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.

Article 7

The administrative department of social insurance in the State Council is responsible for the national social insurance management, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.