Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, in China, the medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Insurance liability accidents need to be handled, and the insurance money will be paid in proportion.

Extended data:

Matters needing attention in the use of medical insurance:

New employees can enjoy employee medical insurance after paying social security in the unit. The outpatient and emergency expenses that meet the requirements of medical insurance in designated hospitals shall be paid in advance by the personal account fund. After the payment exceeds a certain amount (generally 1500, which can be accumulated), according to the regulations, certain medical expenses will be reimbursed by the medical insurance pooling account under different circumstances, and the proportion is generally between 50% and 70%.

Medical insurance drugs are divided into Class A, Class B and Class C ... Class A drugs are lower-priced drugs of the same kind, which are uniformly formulated by the state, and all of them are included in the payment scope of the basic medical insurance fund, and the out-of-pocket ratio is about 10%. Class B drugs refer to drugs that can be used selectively, but the price is slightly higher than that of Class A drugs. The out-of-pocket ratio is generally 20% or 10%. Class C drugs are completely at their own expense.

Baidu encyclopedia-medical insurance