Introduction:Employee medical insurance is an important social security system in China, which aims to provide medical security for employees. With the development of society, the employee medical insurance system is also constantly improving. This article will introduce in detail the development of employee medical insurance, welfare policies, precautions, and the use period and threshold of the overall medical insurance fund, etc., to help you better understand and use medical insurance benefits.
The development of employee medical insurance
Individual contributions and company subsidies
The cost of employee medical insurance is borne by both the individual and the company. Individuals are required to pay a certain percentage of medical insurance costs, and the company will give corresponding subsidies. This shared commitment not only ensures the basic medical needs of employees, but also reduces the burden on the company.
After the reform, the reimbursement amount of medical insurance will be coordinated
With the reform of the medical insurance system, the amount of reimbursement for overall medical insurance has also been increased. Now, employees can enjoy a higher reimbursement ratio if they meet the regulations, reducing the medical burden of employees.
The benefits of active and retired employees are different
Employees enjoy 80% reimbursement
In-service employees can enjoy 80% reimbursement if they meet the regulations. This means that employees only have to bear the remaining 20% of the cost, which greatly reduces their financial pressure.
Retired employees enjoy a 90% reimbursement ratio
Retired employees can enjoy a 90% reimbursement rate if they meet the regulations. This is undoubtedly a very good welfare policy for retired employees, which can better protect their medical needs.
Precautions
Classification of medicines
The drugs reimbursed by the employee medical insurance are divided into Class A, Class B and Class C. Class A drugs can be reimbursed in full, Class B drugs need to be borne by the individual to bear a certain percentage of the cost, and Class C drugs are not reimbursed. Therefore, when you buy drugs, you need to pay attention to the classification of drugs.
The drug is suitable for the population
Different drugs are suitable for different groups of people, and when you buy drugs, you should choose the right drugs according to your actual situation.
Co-ordinate the period and threshold of medical insurance funds
Cleared at the end of the year
The term of use of the pooled medical insurance fund is one year, and it will be cleared at the end of the year. Therefore, everyone needs to use up the medical insurance fund before the end of the year, otherwise this part of the benefit will be lost.
The threshold for use is 500 yuan or 400 yuan
The threshold for the use of the pooled medical insurance fund is 500 yuan or 400 yuan, which means that employees need to reach more than this amount of medical expenses within one year before they can use the pooled medical insurance fund for reimbursement.
There are differences in the medical insurance policies for employees in different places, which need to be understood
There are differences in employee medical insurance policies in different regions, and everyone needs to understand them according to their actual location when understanding medical insurance policies.
Netizens commented on the positive and negative views:
Viewpoint 1: The reform of the employee medical insurance system is really good, and the reimbursement ratio has been increased, which has greatly reduced our medical burden.
Viewpoint 2: Although the reimbursement ratio has increased, the precautions such as drug classification and use thresholds are also very important, and everyone needs to understand them in detail.
Point 3: The system of clearing the zero at the end of the year is somewhat unreasonable, and employees should be allowed to carry forward the remaining medical insurance funds to the next year.
Conclusion:
The development and improvement of the employee medical insurance system has provided better medical security for the majority of employees. By understanding the medical insurance benefit policies, precautions, and the use period and threshold of the overall medical insurance fund, we can make better use of the medical insurance benefits and reduce the medical burden. At the same time, there are differences in the medical insurance policies of employees in various places, and everyone needs to understand them according to their actual location. Let us cherish this benefit, use the medical insurance fund reasonably, and escort the health of ourselves and our families.