Which one is better, financial insurance or overall medical insurance, needs to be determined according to the specific situation.

The details are as follows: First, the medical insurance fund refers to the establishment of a unified medical security fund through the simultaneous payment of individuals and units to pay the medical expenses of insured persons.

The advantage of this system is that it can make full use of collective strength to realize risk sharing and dispersion, so that insured persons can receive corresponding protection when facing high medical expenses.

In addition, medical insurance can also provide a wider range of medical services, including basic medical care, critical illness assistance, etc., to meet the different needs of insured persons.

Secondly, the overall planning system refers to integrating different medical insurance systems to establish a unified medical security system.

The advantage of this system is that it can avoid repeated payment and insurance superposition and improve the utilization efficiency of insurance resources.

Through the overall planning system, complementarity and coordination between different insurance systems can be achieved, so that insured persons can enjoy medical security while reducing their financial burden.

The difference between outpatient co-ordination and out-patient insurance is as follows: 1. Scope of coverage: out-patient co-ordination covers ordinary out-patient medical expenses for common diseases of insured persons except for specific out-patient diseases, such as headache, brain fever, cold and fever, diarrhea, etc.; out-patient service*

While **Ji has greatly enhanced its ability to cover general outpatient clinics and greatly improved the level of employee medical insurance outpatient protection for specific diseases, it has also expanded the scope of use of personal accounts and optimized outpatient consultation fee protection.

2. Medical treatment institutions: The designated institutions for outpatient coordination are town health centers or designated community medical insurance outpatient clinics; the designated institutions for outpatient services are secondary and tertiary hospitals.

3. Reimbursement ratio: The overall outpatient reimbursement ratio is relatively high and the coverage is wide; the outpatient insurance premium is low and the reimbursement ratio may be limited.

The benefits of paying medical insurance are as follows: 1. It is conducive to improving labor productivity and promoting the development of production.

Medical insurance is the inevitable result of social progress and production development.

In turn, the establishment and improvement of the medical insurance system will further promote social progress and production development.

On the one hand, medical insurance relieves workers from worries and allows them to work with peace of mind, thereby improving labor productivity and promoting the development of production; on the other hand, it also ensures the physical and mental health of workers and the normal reproduction of the labor force; 2. Adjusts income differences

, reflecting social fairness.

Medical insurance adjusts income differences by collecting medical insurance premiums and reimbursing medical insurance service fees. It is an important means of income redistribution for the government; 3. An important guarantee for maintaining social stability.

Medical insurance provides financial assistance to sick workers, helps eliminate social instability caused by illness, and is an important social mechanism to adjust social relations and social conflicts; 4. An important means to promote social civilization and progress

.

The social system of medical insurance and social mutual assistance reflects the new social relationship of "when one party is in trouble, all parties support" by sharing the risk of disease costs among insured persons, which is conducive to promoting social civilization and progress; 5

, an important guarantee for promoting the reform of the economic system, especially the reform of state-owned enterprises.

To sum up, both financial and coordinated medical insurance have their advantages and characteristics, and the choice of which one is better should be based on the specific circumstances.

When formulating medical insurance policies, it is necessary to comprehensively consider factors such as the needs of insured persons, the actual situation of the region, and the utilization efficiency of insurance resources to achieve a better medical security system.

Legal basis: Article 2 of the "Social Insurance Law of the People's Republic of China" The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens in the event of old age, illness, work-related injury,

The right to obtain material assistance from the state and society in accordance with the law in cases of unemployment, childbirth, etc.