The difference between individual self-funded medical insurance and individual self-funded medical insurance

Individual pays refers to drugs, diagnosis and treatment, medical service facilities, etc. Within the scope of medical insurance reimbursement. After medical insurance reimbursement, individuals need to pay the remaining expenses; Personal expenses refer to drugs, diagnosis and treatment, medical service facilities, etc. Outside the scope of medical insurance reimbursement, individuals need to pay in full. The overall payment of medical insurance refers to the use of funds in the overall account to pay the relevant medical expenses of the insured, and the insured does not need to pay separately.

The difference between individual pays and individual pays: individual pays refers to drugs, diagnosis and treatment, medical service facilities, etc. Within the scope of overall reimbursement of medical insurance. After medical insurance reimbursement, the remaining expenses need to be paid by the individual; Personal expenses refer to drugs, diagnosis and treatment, medical service facilities, etc. Outside the scope of medical insurance reimbursement, individuals need to pay in full. The overall payment of medical insurance refers to the use of funds in the overall account to pay the relevant medical expenses of the insured, and the insured does not need to pay separately.

How many years do I have to pay medical insurance to enjoy life?

1. The policy stipulates that the payment period for men shall not be less than 25 years and that for women shall not be less than 20 years.

2. Medical insurance requirements: the insured is 60 years old for men and 55 years old for women, with the payment period of not less than 25 years for men and not less than 20 years for women. The actual payment period of the basic medical insurance premium must be not less than 15 years, and the insured can enjoy medical insurance benefits after retirement. If the minimum age requirement is not met before retirement, the medical expenses of the actual payment period can be supplemented at one time.

I hope the above questions can help you. If you have other legal questions, please consult a professional lawyer.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC).

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