Which is better for social security to buy hospitalization insurance or comprehensive medical care?

Legal analysis: Comprehensive medical insurance is better. Comprehensive medical insurance and hospitalization medical insurance are the same in hospitalization reimbursement, but comprehensive medical insurance has a personal account, which can go to a pharmacy to buy medicine or reimburse part of outpatient expenses. In-hospital medical insurance can only be reimbursed for hospitalization, and only the highest 800 yuan outpatient service can be reimbursed within one year.

1. Comprehensive medical insurance: both deep households and non-deep households can participate. The payment is relatively large, and the account must participate in comprehensive medical insurance. You can buy medicines in pharmacies, see outpatient clinics, stay in hospitals, enjoy reimbursement for serious illness outpatient clinics, and enjoy maternity insurance.

2. Hospitalization medical insurance: less than comprehensive medical insurance. You can enjoy a small amount of outpatient reimbursement and maternity insurance benefits, and you can see the outpatient clinic, but you need to go to the bound social health center.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

Legal basis: Article 2 of the Social Insurance Law of People's Republic of China (PRC) The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to guarantee citizens' right to receive material assistance from the state and society in case of old age, illness, industrial injury, unemployment and maternity.