Guizhou medical insurance payment deadline

Legal analysis: The deadline for medical insurance payment in Guizhou in 2022 is December 31.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. A medical insurance fund is established through employer and individual contributions. After insured persons incur medical expenses for medical treatment, the medical insurance agency will provide them with certain financial compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members, and coupled with government funding, can enable sick members of society to obtain necessary material help from the society and reduce medical expenses. burden to prevent sick members of society from becoming impoverished due to illness.

Medical insurance has the basic characteristics of social insurance such as compulsory, mutual aid and social nature. The medical insurance system is usually legislated and enforced by the state, and a fund system is established. The fees are paid jointly by the employer and the individual, and the medical insurance premiums are paid by the medical insurance institution to solve the medical expenses caused by workers' illness or injury. risk.

Medical insurance, like other types of insurance, collects medical insurance premiums in advance from people who are threatened by the disease in the form of a contract, and establishes a medical insurance fund; when the insured becomes ill and goes to a medical institution After medical expenses incurred due to medical treatment, the medical insurance institution will provide certain financial compensation. Therefore, medical insurance also has two major functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by disease risks on an individual are distributed to all members threatened by the same risks, and a centralized medical insurance fund is used to compensate for the economic losses caused by the disease.

Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses spent by patients in the hospital are reimbursed by the insurance company. It is generally divided into outpatient medical insurance and inpatient medical insurance.

Indemnity medical insurance means that the patient is clearly diagnosed by the hospital as suffering from a disease listed in the contract, and the insurance company pays the patient for treatment and care based on the amount agreed in the contract. -Generally divided into individual disease insurance and critical illness insurance.

Legal basis: "Social Insurance Law of the People's Republic of China"

Article 8 Social insurance agencies provide social insurance services and are responsible for social insurance registration, personal rights records, Social insurance benefits payment and other work.