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Advantages of medical insurance:
First, it is to reduce the economic burden to some extent when the insured is sick, especially when he is seriously ill.
Second, when the insured is in good health, the insurance premium paid can be used to help other insured persons, thus embodying the spirit of "one person is sick and all families help each other".
The third is to relieve the worries of the insured.
Payment standard: In order to encourage urban residents to participate in insurance, urban residents who meet the insurance conditions are divided into different medical deductible periods according to their insurance time. Within six months after the implementation of the "Measures", the medical deductible period is three months, and there is no deductible period for minor residents; After six months of insurance (including minor residents, the same below), the starting period of medical treatment is one year; After one year, the deductible of medical treatment period is extended to two years; There is no deductible period for low-income residents to seek medical treatment. The annual fund-raising standard for students and children is 100 yuan. Individuals pay medical insurance premiums in 60 yuan, and the rest in 40 yuan are subsidized by the government. Students and children from severely disabled, low-income families and families with special difficulties do not pay fees, and all medical insurance premiums are subsidized by the government. Non-employed urban adult residents are raised in 560 yuan per person per year. The payment and subsidy standards are: insured residents 1, severely disabled people, people enjoying subsistence allowances, family members with special difficulties and elderly people over 60 years old from low-income families do not pay, and medical insurance premiums are all subsidized by the government; 2. Individuals over 70 years old pay medical insurance premiums 120 yuan, and the rest of 440 yuan is subsidized by the government; 3. Other non-employed urban residents pay medical insurance premiums in 330 yuan, and the rest in 230 yuan are subsidized by the government.