What kinds of medical insurance are there?

What is commercial medical insurance? Commercial medical insurance refers to the insurance in which the commercial insurance company is the main business entity, and the occurrence of medical behaviors agreed in the insurance contract is the condition for payment of insurance benefits, so as to provide protection for the insured's medical expenses during medical treatment. It is one of the main contents of health insurance. According to the different coverage, commercial medical insurance is mainly divided into general medical insurance, hospitalization medical insurance, surgery insurance and comprehensive medical insurance. According to the different nature of payment, it can be divided into cost compensation medical insurance and fixed payment medical insurance. What is critical illness medical insurance? Social security medical insurance for serious illness: medical insurance for serious illness is a special medical insurance fund set up to protect the medical needs of urban workers for major diseases. It is used to pay the medical expenses that exceed the maximum payment limit of the basic medical insurance for urban workers when the insured participates in the basic medical insurance during the year. It is an effective supplement to the basic medical insurance for urban workers and relieves the economic pressure of the insured when high medical expenses occur. Commercial medical insurance for critical illness: the professional name should be critical illness insurance, which belongs to a kind of disease insurance, and mainly refers to the insurance with the occurrence of major diseases agreed in the insurance contract as the condition for paying insurance benefits. Specifically, within the validity period of the contract, and after the observation period (usually a period of time after the contract comes into effect, such as 90 days or 180 days), the insured is diagnosed with a major disease agreed in the insurance contract for the first time and can get corresponding treatment compensation. Different insurance companies or different types of insurance have different types of major diseases, but certain standards must be implemented. In April, 2007, the critical illness insurance expert committee composed of insurance institute of china and Chinese Medical Doctor Association formulated the Criteria for the Definition and Use of Diseases in Critical Illness Insurance, which uniformly standardized the expressions of 25 most common diseases, and stipulated that from August, 2007, 1, the newly developed critical illness insurance of insurance companies must include 6 diseases with the highest incidence among 25 critical illnesses. Other insured diseases belonging to 25 categories must also be stated in the above specifications, while major diseases insured by insurance companies can be independently stated and approved by the CIRC. What is comprehensive medical insurance? Comprehensive medical insurance is a comprehensive medical expense insurance provided by the insurer for the insured, and its cost range includes all expenses such as medical treatment, hospitalization and surgery. The premium of this kind of insurance is higher, and generally a lower deductible and an appropriate sharing ratio will be determined. (In terms of social security, the concept of "comprehensive" is mainly used in Shenzhen and Shanghai, but the meaning of "comprehensive" in Shenzhen not only means that all kinds of medical expenses can be reimbursed, but also includes the meaning that local household registration and foreigners can participate in insurance; The specific name of Shanghai is "Shanghai Comprehensive Insurance for Migrant Workers", and "comprehensive" refers to three kinds of insurance benefits, including industrial injury insurance, hospitalization insurance and old-age subsidies. What is student medical insurance? Student medical insurance refers to the social medical mutual aid system for minors and adult students, which is led by the government, combined with financial subsidies and family contributions, and mainly focuses on serious illness medical treatment. It can reduce the family financial burden of students and children seeking medical treatment because of injuries, which is conducive to the healthy growth of students and children and improve the multi-level medical security system. According to the different levels of economic development and policies in different places, the names, forms and guarantees of this kind of insurance are quite different. Some places are collectively referred to as medical insurance for students and children, while others are divided into medical insurance for teenagers and medical insurance for college students. The reimbursement of medical expenses and the proportion of self-financing also vary greatly due to regional differences, but they all belong to the basic medical insurance for urban and rural residents in the social security system. Generally speaking, if a region provides this kind of insurance, the guardian can bring the corresponding information to the corresponding social security agency where the household registration is located after a certain period of time, or it can be handled by kindergartens and schools after entering the park or school. Family contributions are relatively low, ranging from tens of yuan to more than 100 yuan a year. However, the scope of reimbursement is generally concentrated in high or serious medical expenses, and outpatient expenses are either not reimbursed or the proportion of reimbursement is low. In addition, this kind of insurance also has a maximum reimbursement amount, which is generally similar to the maximum payment amount of basic medical insurance for urban workers, and the excess is borne by families or students.

Legal objectivity:

First, it is conducive to improving labor productivity and promoting the development of production. 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. The second is to 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. The third is 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. Fourth, it is 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 sharing the risk of disease costs among the insured, which is conducive to promoting social civilization and progress. Fifth, it is an important guarantee for promoting economic system reform, especially the reform of state-owned enterprises. Reading: What does medical insurance mean? Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. According to the medical insurance measures, the payment period of medical insurance includes the actual payment period of medical insurance and the deemed payment period, and the calculation method is as follows: (1) The actual payment period is the period when employees actually pay medical insurance premiums after the implementation of the medical insurance measures. (2) It is regarded as the continuous length of service before the end of the payment period 1992 and the individual pays the basic old-age insurance premium from 1993 to 0 months before the implementation of the Medical Insurance Measures. Fifth, it is an important guarantee for promoting economic system reform, especially the reform of state-owned enterprises. Reading: What does medical insurance mean? Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. According to the medical insurance measures, the payment period of medical insurance includes the actual payment period of medical insurance and the deemed payment period, and the calculation method is as follows: (1) The actual payment period is the period when employees actually pay medical insurance premiums after the implementation of the medical insurance measures. (2) It is regarded as the continuous length of service before the end of the payment period 1992 and the individual pays the basic old-age insurance premium from 1993 to 0 months before the implementation of the Medical Insurance Measures.