I. Positioning and Function
As a local government-led medical security project, Huimin Insurance aims to provide additional medical security for specific people or diseases to reduce their medical burden. This project usually has the characteristics of strong pertinence and safety, aiming at solving the special needs of some people in medical security.
Universal insurance pays more attention to universality and extensiveness, aiming at covering a wider range of people and providing basic medical security. Universal insurance is usually led by the government and jointly launched by commercial insurance institutions, aiming at improving the popularity and sustainability of medical insurance through market-oriented operation.
Second, the scope of protection and the insured object
The coverage of Huimin insurance is usually specific, which may be aimed at some special diseases, specific people or specific areas. Insured people usually have certain restrictions, such as low-income families, the elderly, the disabled and other specific groups.
Universal insurance pays more attention to universality and covers a wide range, covering most urban and rural residents. The insured objects are also relatively wide, covering almost all urban and rural residents who have the willingness and ability to participate in the insurance.
Third, the level and cost of protection.
Due to the specific positioning and coverage of Huimin insurance, its protection level is usually high, which can provide comprehensive medical protection for the insured population. However, due to the strong protection, the insurance cost is relatively high.
Universal insurance pays more attention to basic security, which is relatively low, but it can meet the basic medical needs of most urban and rural residents. Generally speaking, the cost of universal insurance is moderate and suitable for the economic affordability of urban and rural residents.
To sum up:
There are obvious differences between Huimin insurance and universal insurance in positioning, coverage, insured object and coverage level. Huimin insurance pays more attention to the protection of specific people or specific diseases, while universal insurance pays more attention to universality and extensiveness. When choosing insurance items, you should choose according to your own needs and economic ability.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 2 provides that:
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
People's Republic of China (PRC) social insurance law
Article 4 provides that:
Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.