How to pay medical insurance in Hunan

Pay medical insurance in Hunan medical insurance: open the layout of the service hall of Hunan medical insurance point; Then open the social security page of the citizen center and click the electronic social security card button; Click the social security payment interface to pay.

Urban and rural residents pay the basic medical insurance premium once a year, and Hunan Province will start the centralized insurance payment for urban and rural residents in 2024 from September 2023.

The types of medical insurance are as follows:

1. Commercial medical insurance: reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance, general medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies. Generally divided into outpatient medical insurance and inpatient medical insurance. Compensatory medical insurance, special medical insurance means that the patient is definitely diagnosed by the hospital as suffering from a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally, it is divided into single disease insurance, such as cancer insurance and critical illness insurance, 10, 20 and 30 critical illness insurance.

2. Subsidized medical insurance: In short, subsidized medical insurance is medical insurance that the insurance company pays the insurance premium to the insured by time, day or project according to the subsidy standard stipulated in the contract. Claims have nothing to do with actual medical expenses, and invoices are not needed. No matter what disease you get and how much you spend on treatment, the compensation standard remains unchanged. If you are insured by more than one company, you can get compensation from more than one company no matter how many copies you are insured. This part of the allowance can compensate for other losses besides medical expenses incurred by hospitalization, such as income loss caused by sick leave and transportation expenses. Subsidized medical insurance "icing on the cake" Generally speaking, if you have participated in social medical insurance, it is more appropriate to choose critical illness insurance with subsidized medical insurance. Subsidized medical insurance is not directly related to social insurance. As long as you are hospitalized or operated on, the insurance company will pay.

3. Expense-based medical insurance: Expense-based medical insurance pays insurance benefits according to the actual medical expenses incurred by customers and the insurance amount agreed in the policy. The purpose is to compensate customers for medical expenses. When making claims, customers need to issue invoices for outpatient or hospitalization, and the scope of claims is basically the same as that of "social security". How to buy without medical insurance: first of all, insure the cost-based medical insurance because according to the current medical level, the average hospitalization time of the disease is about 10 days. For cost-based products, if the reasonable hospitalization medical expenses are reimbursed by 80%, most medical expenses can be reimbursed.

To sum up: for those who have jobs and those who have no jobs, how to pay medical insurance is different. Those who have no jobs can only pay medical insurance and endowment insurance, but can't pay other insurances in the five insurances and one gold. There are many kinds of medical insurance, and the most useful one is expense medical insurance, because it covers a wide range in life and can best reflect the correctness of insurance measures.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 48

During the period of receiving unemployment insurance benefits, the unemployed participate in the basic medical insurance for employees and enjoy the basic medical insurance benefits. The basic medical insurance premiums payable by the unemployed are paid from the unemployment insurance fund, and individuals do not pay the basic medical insurance premiums.