Which can be reimbursed at one's own expense or at one's own expense

Generally speaking, the economic development in different regions is different, so the specific details of medical insurance reimbursement are different in different regions. But some professional words on the medical insurance reimbursement form are the same. For example, self-payment and self-payment, in short, these two items are expenses that need to be paid by individuals. "Self-paid" means that medical insurance cannot reimburse the expenses that need to be paid by itself; "Out-of-pocket" refers to the expenses that need to be paid by oneself in the process of medical insurance reimbursement. It is the minimum payment in the above picture, the proportion of individual payment exceeding the minimum payment, and the part exceeding the annual overall limit.

First, the difference between self-payment and self-payment

1. The difference between self-payment and self-payment is as follows:

(1) individual pays: it belongs to the scope of medical insurance fund payment, and some drugs, articles and materials need to be paid by the insured in advance;

(2) Personal expenses: drugs and articles beyond the scope of medical insurance fund payment shall be paid in full by the insured;

(3) Personal expenses refer to all expenses borne by individuals outside the scope of reimbursement;

(4) Individual pays refers to expenses that are within the scope of reimbursement, but need to be borne by individuals.

2. Legal basis: Article 18 of People's Republic of China (PRC) Insurance Law.

(1) An insurance contract shall include the following contents:

(2) The name and domicile of the insurer.

(3) Names and domiciles of the applicant and the insured, and names and domiciles of beneficiaries of life insurance.

(4) the subject matter insured.

(5) Insurance liability and exemption from liability;

(6) The insurance period and the starting time of insurance liability;

(7) the insured amount;

(8) Insurance premium and payment method;

(9) Liability for breach of contract and dispute settlement methods;

(10) The year, month and day when the contract was concluded. The applicant and the insurer may agree on other insurance-related matters. Beneficiary refers to the person who is designated by the insured or the applicant to have the right to claim insurance money in the life insurance contract. The applicant and the insured can be beneficiaries. The insured amount refers to the maximum amount of the insurer's liability for compensation or payment of insurance benefits.

Second, is it cost-effective to pay social security at your own expense?

First, if it is a unit employee, the individual only pays 8%, which is very cost-effective. In this case, if you can pay more, you can fully enjoy the welfare policies of the state and units;

Second, if flexible employees have to pay 20%, they need to be cautious, because only 40% of the money they pay goes into personal accounts, and the remaining 60% goes into overall accounts, that is, retirees are now paid wages. If you die, the interest on the balance of your personal account will be refunded. If you don't live long enough, you will lose money.

Investing in social security can also be seen as forcing yourself to save money. The older you get, the higher the risk factor of diseases and accidents. With medical insurance, doctors can be reimbursed on weekdays.

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

Legal basis: Civil Code of People's Republic of China (PRC).

Article 148 If a party causes the other party to commit a civil juristic act against its true meaning by fraudulent means, the aggrieved party has the right to request the people's court or an arbitration institution to cancel it.

Article 149 If a third party commits a civil juristic act against its true meaning due to fraud, and the other party knows or should know about the fraud, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

Article 150 If one party or a third party coerces the other party to carry out a civil legal act against its true meaning, the coerced party has the right to request the people's court or an arbitration institution to cancel it.