本文目录一览:
- 1、什么是医疗保险?
- 2、什么是医疗保险
- 3、医疗保险包括哪些
- 4、医疗保险是什么
什么是医疗保险?
医疗保险主要保健康。医疗保险是为补偿疾病所带来的医疗费用的一种保险。职工因疾病、负伤、生育时,由社会或企业提供必要的医疗服务或物质帮助的社会保险。
【法律依据】
《中华人民共和国社会保险法》第二十三条
职工应当参加职工基本医疗保险,由用人单位和职工按照国家规定共同缴纳基本医疗保险费。
无雇工的个体工商户、未在用人单位参加职工基本医疗保险的非全日制从业人员以及其他灵活就业人员可以参加职工基本医疗保险,由个人按照国家规定缴纳基本医疗保险费。
什么是医疗保险
医疗保险是指为补偿劳动者因疾病风险造成的经济损失而建立的一项社会保险制度,分为社会保险和商业保险两类,社保中的医疗保险费由用人单位和职工按照国家规定共同缴纳。
【法律依据】
《社会保险法》第二十三条
职工应当参加职工基本医疗保险,由用人单位和职工按照国家规定共同缴纳基本医疗保险费。无雇工的个体工商户、未在用人单位参加职工基本医疗保险的非全日制从业人员以及其他灵活就业人员可以参加职工基本医疗保险,由个人按照国家规定缴纳基本医疗保险费。
第二十四条
国家建立和完善新型农村合作医疗制度。新型农村合作医疗的管理办法,由国务院规定。
医疗保险包括哪些
医疗保险,按照性质可以分为社会医疗保险和商业医疗保险。社会医疗保险,即我们通常所说的医保。商业医疗保险种类比较多,有门诊医疗、意外伤害医疗险、住院医疗保险。
1、医保
医保是社会保险的组成部分,有农村合作医疗和城镇居民医疗/职工医疗保险。是我国居民的基本保障。
2、门诊医疗
这是医疗保险中保险责任最广泛的一种,能够保障被保险人因疾病和意外伤害支出的门诊医疗费。其投保方式一般是采用团体方式承保。
3、意外伤害医疗险
意外伤害医疗保险主要负责被保险人因遭受意外伤害支出的医疗费。是医疗保险的种类之一。意外伤害医疗保险一般作为意外伤害保险(基本险)的附加责任,个人和团体都可以参保,无需检查被保险人的身体
4、住院医疗险
住院医疗保险的保障内容是被保险人因疾病或意外伤害需要住院治疗时支出的医疗费,不负责被保险人的门诊医疗费,可以团体投保,也可以个人投保。住院医疗保险既可以采用补偿给付方式,也可以采用定额给付方式。
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医疗保险是什么
医疗保险是一项社会福利保险制度,为补偿劳动者或城乡居民因疾病风险造成的经济损失。通过用人单位和个人缴费以及国家财政补贴,建立医疗保险基金,参保人员患病就诊发生医疗费用后,对参保人患病就诊发生的医疗费用,按照一定比例进行报销,给予参保人经济补偿,以避免或减轻劳动者因患病、治疗等所带来的经济风险。社会医疗保险包含城镇职工基本医疗保险和城乡居民基本医疗保险。
在职职工由就业单位统一办理城镇职工基本医疗保险的参保登记事宜。
未参加职工社会医疗保险的城乡居民,包括未成年人(未满18周岁的非在校学生)、灵活就业人员、非从业人员以及老年居民可在户籍地参加城乡居民基本医疗保险,大中小学生参加学校所在地的城乡居民医保;城乡居民医保办理参保登记时间通常为每年9月-12月,自主选择到户籍所在地或者居住地街道(镇)公共服务机构办理参保登记手续。
灵活就业者包括就业年龄范围内无雇工的个体工商户、未在用人单位参加职工社保的非全日制从业人员以及其他灵活就业人员,可自行决定办理城镇职工基本医疗保险(全部费用由个人承担),也可以选择参加城乡居民医疗保险。灵活就业人员以个人身份参加城镇职工基本医疗保险,向税务机关申请办理缴费登记和险种核定。
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