Do you still need to buy commercial insurance when you have employee medical insurance?

Whether it is necessary to buy commercial insurance with employee medical insurance depends on personal circumstances.

1, social security provides employees with basic guarantees such as medical care, maternity, work injury, unemployment and basic old-age care;

2. Special posts or high-end talents may need a higher level of protection;

3. Enterprises should abide by relevant laws and regulations when purchasing commercial insurance, which will not affect the basic social security.

Coverage of employee medical insurance:

1, outpatient and hospitalization expenses under the basic medical insurance system;

2, part of the drug costs, including drugs in the national essential drugs list;

3, a certain proportion of serious illness medical expenses, according to different regional policies;

4, vaccination costs, covering the national immunization program vaccine;

5. Maternity medical expenses paid by maternity insurance;

6. Work-related injury insurance covers work-related injury treatment and rehabilitation expenses.

To sum up, although employee medical insurance provides basic medical security for employees, whether to buy commercial insurance still needs to consider personal needs. For example, special posts or high-end talents may seek a higher level of protection. At the same time, enterprises should ensure compliance with laws and regulations when purchasing commercial insurance, and ensure that employees' basic social security rights and interests are not infringed.

Legal basis:

Labor law of the people's Republic of China

Article 70

The state develops social insurance, establishes social insurance system and social insurance fund, so that workers can get help and compensation in old age, illness, work injury, unemployment and childbirth.

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

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund 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.