Is it necessary to buy medical insurance?

It is necessary to buy medical insurance. Medical insurance is a welfare system implemented by the state, and the threshold for participation is low. Basically, most people can participate in insurance. At the same time, as long as men pay for 30 years and women have sex for 25 years, they can enjoy lifelong medical insurance, so it is very necessary to buy medical insurance. However, medical insurance has many reimbursement restrictions, such as deductible, self-funded, drugs outside social security, and self-funded. Therefore, wide coverage and low security are the most important characteristics of medical insurance.

1. What are the benefits of social medical insurance?

(1) is conducive to improving labor productivity and promoting production development. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.

② An important guarantee for maintaining social stability. Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions.

③ Adjust the income gap and reflect social equity. Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees.

④ An important means to promote social civilization and progress. The social system of medical insurance and social mutual assistance embodies a new social relationship of "one party is in trouble and all parties support" by the insured sharing the risk of disease costs, which is conducive to promoting social civilization and progress.

⑤ An important guarantee to promote the reform of economic system, especially the reform of state-owned enterprises.

legal ground

Article 24 of People's Republic of China (PRC) Insurance Law

After verification in accordance with the provisions of Article 23 of this Law, the insurer shall, within three days from the date of verification, issue a notice of refusal to pay compensation or insurance benefits to the insured or beneficiary, and explain the reasons.

Article 25

If the insurer cannot determine the amount of compensation or payment of insurance benefits within 60 days from the date of receiving the request for compensation or payment of insurance benefits and relevant certificates and materials, it shall pay the amount that can be determined according to the existing certificates and materials in advance; After the insurer finally determines the amount of compensation or insurance payment, it shall pay the corresponding difference.