It's all medical insurance. It's all the same surgery. Why do you reimburse more than me?

Patients or their families often ask questions about medical insurance. It's a pity that I don't pay much attention and know much. However, some patients do go back for reimbursement after surgery or hospitalization, and they are reimbursed a lot. And some patients go back for reimbursement very little. There is even a price difference of tens of thousands or more.

After all, as individuals, we certainly hope to be reimbursed for medical treatment, and it is best to reimburse more.

Of course, in my feeling, reimbursement is related to the region. For example, there are more reimbursements in Shenzhen. At the same time, it is also related to occupations, such as civil servants and teachers, and there are also some companies with good benefits. There is also whether there are related reimbursement for self-funded projects in different regions.

As far as I know, self-funded projects can be reimbursed in some areas, but not in others. In fact, there are many hospitalization and self-funded projects. My feeling is that the higher the local government's GDP, the more income and the better the corresponding welfare.

In addition, there is another point. In fact, with the development of society today, many families still look down on illness, especially when serious illness or surgery requires more expenses. Sometimes I get used to various realities in the hospital, and tens of thousands of dollars may kill a person. I really feel very sad.

It is difficult and expensive to see a doctor, but it is still a mountain in front of the people. At the same time, good medical care and services are still very scarce resources.

Of course, medical insurance is a welfare given to us by the state, and everyone needs it. Of course, commercial insurance or supplementary insurance depends on everyone's situation. I won't say much about this article. We'll talk about it another time.

I learned the following contents by myself, hoping to help everyone.

Today, I mainly want to talk to you about the difference between employee medical insurance and urban and rural medical insurance.

Employee medical insurance: when you go to work, the company pays you five insurances and one gold.

Urban and rural medical insurance: those residents who have no work units, such as students, farmers, housewives, etc. For example, urban residents' medical insurance, new rural cooperative medical insurance, rural medical insurance and infant medical insurance all belong to urban and rural medical insurance.

The difference between the two:

1, different payment methods:

Employee medical insurance:

(1) Employers and individuals pay money together. General employers pay 5- 10%, and individuals pay 2%;

(2) pay it once a month;

Urban and rural medical insurance:

(1) Pay once a year, and pay a few hundred yuan at a time, which is cheaper;

2. Different reimbursement:

Employee medical insurance: pay more and reimburse more.

Urban and rural medical insurance: less payment, less reimbursement

Take Beijing as an example, the employer pays 10%, and the individual pays 2%+3 yuan. Suppose the income of old Betty Wong is 1 1,000 yuan, the company pays 1 1,000 yuan every month, and the individual pays 203 yuan. A year later, a * * * is 1.4436 yuan.

Medical insurance is cheaper for urban and rural residents, old people and children 180 yuan/year, and working-age residents in 300 yuan/year.

How much can each doctor reimburse? Let's talk about outpatient service first, then hospitalization.

If you go to the outpatient department of a tertiary hospital, the employee's medical insurance will be reimbursed if the accumulated amount exceeds 1800. The reimbursement rate is 70%, with a maximum of 20,000 yuan a year.

Urban and rural medical insurance can be reimbursed if it exceeds 550 yuan. The reimbursement threshold is relatively low, but the reimbursement ratio is only 50%. Moreover, only 3000 yuan can be reimbursed every year, which is much less than employee medical insurance.

Hospitalization:

Medical insurance for employees: hospitalization expenses exceeding 1300 yuan can be reimbursed. The reimbursement rate is 85-95%, and the maximum annual reimbursement is 300,000.

Urban and rural medical insurance: hospitalization expenses exceeding 1.300 yuan can be reimbursed, with a reimbursement rate of 75%, with a maximum reimbursement of 200,000 yuan per year.

Medical insurance adheres to a principle: pay more and reimburse more, pay less and reimburse less. It's still fair.

In addition, there are two differences between them:

1. Different accounts:

Employee medical insurance: there are two accounts, one is a co-ordination account and the other is a personal account. The money in the personal account can be used to see a doctor and buy medicine.

Medical insurance for urban and rural residents: there is generally no personal account.

Second, different benefits after retirement:

Employee's medical insurance: As long as the accumulated payment is over 25 years when you retire, you will continue to enjoy employee's medical insurance benefits for life without paying.

Urban and rural medical insurance: as long as you want to enjoy medical insurance, you need to pay on time every year.

Generally speaking, although employees pay more medical insurance, they are treated better in all aspects. And the company is a big head, and the individual is a small head. So hand it in as much as you can. If you don't have a job temporarily, pay medical insurance first.

What about social security? This is a national welfare. Not white, not white.

If you have enough ability, you can also provide yourself with more insurance besides medical insurance. After all, when many serious diseases happen, it is not 200,000 or 300,000. To cope with the future, when the disease needs high expenses, you can tide over the difficulties instead of giving up your life because of tens of thousands of dollars.

Finally, if my words are helpful to you, please like them or share them to let more people know. thank you