Can individuals buy medical insurance separately? In fact, it is just a form of personal insurance for enterprises to help employees buy medical insurance. Can individuals buy medical insurance separately? According to China's social security system, there is no age or personal condition to participate in medical insurance. As long as they are citizens of China and have no bad record of insurance fraud, they can apply. The establishment of the basic medical insurance system is to make the sick members of society get the necessary material help, reduce the burden of medical expenses, and prevent the sick members from "poverty due to illness", not for profit, so China has not set the conditions for participating in medical insurance.
How to buy personal medical insurance?
1. The insured person carries his/her valid certificate (ID card, household registration book, etc.). ) apply to the neighboring county medical insurance center, and the county medical insurance center will settle on the spot.
2. The insured person can also apply to the nearest street (town) medical insurance service point (hereinafter referred to as the service point) for handling, and the service point will be completed within 3 working days. The insured person shall go to the service point to receive the "Medical Insurance Card" within the specified time.
3. The insured may entrust others to handle it on his behalf. The customer must carry the valid certificates of himself and the insured when handling.
4. When the employer handles it centrally, it can be handled by the employer's letter of introduction and the valid certificate of the agent, and then the employer issues the medical insurance card to the insured.
Personal account of medical insurance is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase. Social Security Card The social security card is an electronic information card used by medical insurance agencies to verify the identity, record and store personal account funds and usage. With my social security card, the insured can seek medical treatment at any designated medical institution in this city or purchase medicines at designated retail pharmacies.
In addition to the basic medical insurance, large medical expenses mutual aid system is generally established in all localities to solve the medical expenses above the maximum payment limit of social pooling funds. The state has established a medical subsidy system for civil servants. Conditional enterprises can establish supplementary medical insurance for employees. The state will also gradually establish a social medical assistance system to provide basic medical security for the poor.