How to choose accurate poverty alleviation and employee medical insurance

Accurate poverty alleviation households should pay their own medical cooperation and endowment insurance. Medical insurance premiums are jointly paid by employees, units and the state according to a certain proportion. Insured employees can get partial or full reimbursement when they seek medical treatment due to illness.

The objects of filing cards include poor households, poor villages, poor counties and contiguous destitute areas. It is more cost-effective to provide medical insurance for employees by establishing a file and establishing a card, accurately identifying poor households and poor villages, understanding the poverty situation, analyzing the causes of poverty, finding out the need for assistance, defining the main body of assistance, and implementing assistance measures.

Medical insurance and hospitalization reimbursement for precision poverty alleviation do not conflict with the nature of precision poverty alleviation. Social medical insurance is the insurance that the state forces enterprises to buy for employees. Employees who are sick and seek medical treatment can be reimbursed with social security cards.

Precision poverty alleviation is profitable, and the purchase is voluntary. According to the provisions of the insurance contract, the insured has the right to compensation. Therefore, you can enjoy social medical insurance and help the poor accurately.

The proportion of employee medical insurance reimbursement is slightly higher than that of precision poverty alleviation.

Legal basis:

Social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.