The difference between primary and secondary medical insurance

The differences between primary and secondary medical insurance are as follows:

1, the reimbursement ratio is different: the reimbursement ratio of first-class medical insurance is generally 70%, that is, 70% of medical expenses can be reimbursed from the medical insurance fund. The proportion of reimbursement for second-class medical insurance is generally 80% or 90%. That is, 80% or 90% of medical expenses can be reimbursed from the medical insurance fund.

2. Different reimbursement scope: the reimbursement scope of first-class medical insurance is relatively narrow, and only some basic medical expenses can be reimbursed, such as hospitalization expenses, surgery expenses, medicine expenses, etc. Compared with the first-class medical insurance, the second-class medical insurance has a higher reimbursement rate and a wider scope, and more items can be reimbursed, such as outpatient medical expenses, rehabilitation treatment expenses and chronic disease treatment expenses.

Conditions of medical insurance:

1, with China nationality: only people with China nationality can apply for medical insurance, and foreigners need to apply for commercial medical insurance;

2. Work or live in a qualified unit: Under normal circumstances, the insured person needs to work or live in a qualified unit to apply for medical insurance. For example, the work unit needs to pay social insurance premium or personal income tax, or the residence needs to pay the basic medical insurance premium for urban residents;

3. Age compliance: Different regions and different types of medical insurance may have different age requirements. In general, the insured must be at least 16 years old and under 60 years old;

4. Payment of medical insurance expenses: Insured personnel need to pay medical insurance expenses according to regulations and keep the payment status in order to enjoy medical insurance benefits.

To sum up, the reimbursement standards and scope of Class I and Class II medical insurance may be different due to regions and specific situations, and the specific reimbursement standards and scope need to be inquired and understood according to local regulations.

How to apply for medical insurance?

1. Prepare materials

You need to prepare some materials before applying for medical insurance. First of all, you need to prepare ID cards, household registration books, social security cards and other documents. Secondly, you need to prepare the proof of your work unit, payroll and other materials.

2. Go to the Social Security Bureau.

You need to go to the local social security bureau when you apply for medical insurance. In the Social Security Bureau, you need to fill out some forms, submit some materials, and then wait for approval.

3. Pay social security fees

When you apply for medical insurance, you need to pay a certain social security fee. The payment standard of social insurance premiums varies according to different regions and grades. After paying social security fees, you can enjoy medical insurance benefits.

Choosing the medical insurance grade that suits you needs to consider personal economic ability, health status and the nature of work. To apply for medical insurance, you need to prepare some materials and go to the local social security bureau.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

Employees should participate in the basic medical insurance for employees, and employers and employees should 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.