Supplementary medical insurance

Do you know what supplementary medical insurance is? It is in contrast to the previous basic medical insurance. There are many types of it, including commercial medical insurance, corporate supplementary medical insurance, and community medical insurance. It can well supplement the deficiencies of basic medical insurance and has been highly recognized by the society. It represents the importance our country attaches to the medical care of our people.

Now the problem of people's difficulty in seeing a doctor has been well solved, especially with the introduction of medical insurance, which is really a great benefit for our people. The current supplementary medical insurance has also been recognized by everyone. Let's talk specifically about this kind of medical insurance.

1Supplementary medical insurance

Unlike basic medical insurance, supplementary medical insurance is not enforced through national legislation, but is voluntarily participated in by employers and individuals. It is a supplementary insurance that improves the level of insurance protection by appropriately adding medical insurance items to the insurance company or individual based on demand and possibility principles after the company and its employees have participated in the unified basic medical insurance.

Basic medical insurance and supplementary medical insurance are not contradictory, but complementary and irreplaceable. Their purpose is to provide medical protection for employees.

2Enterprise

Enterprise supplementary medical insurance is a form of supplementary medical insurance that is independently organized or participated in by enterprises on the basis of their participation in urban basic medical insurance, with policy encouragement from the state.

form

(1) Organized by commercial medical insurance institutions; (2) Managed by social medical insurance institutions; (3) Organized by large groups and enterprises.

Related regulations

The goal of my country's medical insurance system reform is to realize a multi-level medical insurance system. Therefore, the state encourages enterprises to establish supplementary medical insurance systems to ensure that the level of medical insurance benefits for the employees of the enterprise is not reduced. The specific provisions are:

Enterprises that participate in various social insurances in accordance with regulations and pay social insurance premiums on time and in full can decide independently whether to establish supplementary medical insurance. The supplementary medical insurance fund is used to provide appropriate subsidies for medical expenses borne by employees personally in addition to the benefits paid by the basic medical insurance system for urban employees when enterprises participate in local basic medical insurance in accordance with regulations, thereby reducing the medical expense burden of insured employees. The enterprise can directly charge the portion of supplementary medical insurance premiums that is within 4% of the total salary from its costs without requiring approval from the financial department at the same level. The enterprise supplementary medical insurance measures should be linked to the local basic medical insurance system. The enterprise supplementary medical insurance funds are used and managed centrally by the enterprise or industry, with separate accounts and management. They are used to subsidize the medical expenses of employees and retirees with heavy personal burdens in the enterprise. They may not be transferred to the basic medical insurance personal accounts, nor may they be used to establish separate personal accounts or used in disguised form for other employee expenses. The financial and labor and social security departments should strengthen supervision and financial regulation of the management of corporate supplementary medical insurance funds to prevent violations such as misappropriation of funds.

type

General medical insurance

This type of insurance is the most extensive type of medical insurance, covering the insured's outpatient medical expenses and inpatient medical expenses due to illness and accidental injuries. Ordinary medical insurance is generally underwritten on a group basis, or as an additional liability underwriting for individual long-term life insurance. Medical insurance benefits are generally paid in the form of compensation, and a maximum limit is set for each time.

Accidental injury medical insurance

This type of insurance covers the medical expenses incurred by the insured due to accidental injuries, as an additional liability of accidental injury insurance. The insurance amount can be the same as the basic insurance or agreed upon separately. Medical insurance benefits are generally paid in the form of compensation, which requires not only the insurance amount, i.e. the payment limit, but also the treatment period.

Hospitalization medical insurance

This type of insurance covers the medical expenses incurred by the insured when he or she needs hospitalization due to illness or accidental injury, but does not cover the insured's outpatient medical expenses. It can be paid in compensation or in a fixed amount.

Surgical medical insurance

This type of insurance is a single medical insurance and only covers the medical expenses incurred by the insured due to surgery, whether it is outpatient surgery or inpatient surgery. Surgical medical insurance can be covered as a standalone policy or as an additional policy to accident insurance or life insurance. For surgical medical insurance that adopts compensation payment method, only the insurance amount is stipulated as the cumulative maximum payment limit. For surgical medical insurance that adopts fixed payment method, the insurance company only pays the medical insurance premium at a fixed amount according to the type of surgery performed on the insured.

There are many forms of supplementary medical insurance. No matter what form it is, it is a great benefit for us ordinary people. This is a manifestation of the party and state leaders' concern for us people and their willingness to do things for the people. With such medical insurance, our problem of seeing a doctor will no longer be as difficult as before.