Interpretation of 5 major characteristics

Medical insurance has to be paid every month, which is a lot of money. We know that going to the hospital to see a doctor is nothing more than outpatient or inpatient expenses, which can be reimbursed by employee medical insurance and resident medical insurance. There are other advantages of medical insurance, let’s take a look at them.

The advantages of medical insurance

Medical insurance is the most valuable of the 5 insurances and 1 gold. Let us first look at the core advantages of medical insurance:

Advantage 1: Immediate effect. As long as the company pays it for you, your medical insurance will take effect, unlike commercial insurance, which generally has a waiting period, usually about 30-180 days.

Advantage 2: You can apply for insurance while you are sick. Even if you are currently sick, you can pay for medical insurance again. At present, most domestic critical illness insurances have strict health notices. If they do not meet the requirements, even if they have money, they cannot buy commercial insurance.

Advantage 3: Guaranteed renewal. Many consumer-type commercial insurances do not guarantee renewal. If you get sick, you can’t buy commercial insurance if you want to.

Advantage 4: Long-term effectiveness. Men who have worked for 25 years and women who have worked for 20 years can continue to enjoy medical reimbursement after retirement.

To sum up in one sentence: Medical insurance is a state-mandated inclusive and mutually beneficial welfare. It is recommended that everyone participate in it because this is the guaranteed dignity that the state gives to each of us.

Medical insurance affects commercial medical insurance reimbursement since it belongs to the scope of medical reimbursement if you do not pay medical insurance, buying commercial medical insurance will have the following effects:

More expensive: Most medical insurance will have two prices, with or without social security, and without social security will be about twice as expensive.

Lower reimbursement ratio: Most medical insurances require reimbursement from social security first. If you are insured as social security but have not been reimbursed by medical insurance, medical insurance generally can only reimburse 60%.

In addition to social security, new rural cooperative medical insurance, and urban residents’ medical insurance also belong to the national medical insurance, and the above rules also apply.

When purchasing accident insurance, critical illness insurance, and term life insurance, it is generally not asked whether you have social insurance. Therefore, it does not matter if you do not pay social insurance.

For the latest commercial insurance evaluation and recommendation, 

Insufficient medical insurance

The first deficiency is that only the expenses in the catalog can be reimbursed

This directory will list which medicines are used and which examinations can be reimbursed by medical insurance.

The second is that there is a limit to the reimbursement ratio

Not only does medical insurance have a threshold, but it cannot be reimbursed if it is less than a certain amount, and the annual reimbursement amount is also limited. More importantly, many life-saving special drugs and imported drugs cannot be reimbursed by medical insurance, so I went to the hospital. A lot of money to spend.

Another point is that it is very troublesome to use medical insurance in different places. Even in some cities, if the medical insurance is not local, it cannot be reimbursed. In this way, if you go to a big hospital in a big city to see a doctor, the medical insurance will not be used, and all medicines You have to pay for it yourself.