whether you are an enterprise employee or a freelancer, whether you live in a city or a rural area, social security is a topic that everyone can't live without. In our life, social security plays the role of "protective umbrella". Medical reimbursement, maternity allowance, industrial injury unemployment insurance, and retirement pension, only by knowing and mastering social security can we give full play to the role of social security and truly make social security our "guardian".

medical insurance is divided into urban workers' medical insurance and urban and rural residents' medical insurance, which was also called the new rural cooperative medical system in the past. For most people, medical insurance plays the role of a basic medical care, so generally we suggest participating in medical insurance as much as possible. In order to improve the level of medical insurance for everyone, all departments are also sparing no effort to improve the efficiency of medical insurance. Let's take a look at four new changes in medical insurance in 221. 1. Family members can use employee medical insurance accounts. In the past, employees paid employee medical insurance, and personal medical insurance accounts had a large amount of funds. However, the elderly and children can only participate in urban and rural residents' medical insurance, and they also need to pay for outpatient services. Now the funds in employees' personal accounts can also be used by their families, which is more reasonable. 2. More outpatient expenses are included in medical insurance. According to the Statistical Bulletin on the Development of National Medical Security in 219, as of 219, the accumulated balance of employee medical insurance personal accounts reached 842.6 billion yuan. If these funds can't be used economically all the time, they will get bigger and bigger, which will lead to huge waste and violate the original intention of medical insurance policy. The unit payment is no longer included in the personal account, but injected into the * * * fund pool, which can not only reduce the amount of idle funds in the personal account, but also greatly improve the level of outpatient support. 3, strengthen the outpatient service * * * economic function, in the past, the focus of medical insurance was hospitalization, many patients in order to be able to submit an expense account, can not meet the hospitalization conditions will also require hospitalization, after the outpatient reimbursement ratio increased, unnecessary hospitalization resources can be saved. 4. Strengthen the supervision and management of medical insurance funds. When paying medical insurance, try to find a unit with five insurances and one gold, which will be remitted by the unit. In this way, medical insurance is shared by individuals and units, and medical insurance can be cashed back every month, and you can enjoy a higher reimbursement rate. Retirees who have paid medical insurance premiums for employees for a specified number of years can continue to enjoy medical insurance benefits without continuing to pay medical insurance premiums after retirement. The reimbursement rate of residents' medical insurance is not low, and it may be higher for small medical care. However, don't pay both at the same time. If you pay employee medical insurance in your work city, don't pay the new rural cooperative medical system in your hometown. After all, you can only use one reimbursement.