Huimin insurance is suitable for the following three groups of people: 1, the elderly, those who buy commercial insurance products with limited commercial insurance, and have strict requirements on the age of the insured, while Huimin insurance has no age limit, so people who have local basic medical insurance can consider taking out Huimin insurance.

2. People with abnormal health don't need to be informed of their health when they apply for Huimin insurance, and they can be insured even if they are sick. If you can't insure commercial medical insurance because of abnormal health, then you can consider insuring.

3. People who are not insured with commercial insurance or incomplete insurance can choose Huimin insurance because of their economic situation or other reasons. The premium is low and the insured amount is 1 million, which can be used as a supplement to medical insurance.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

function

First, 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. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.

Second, adjust the income gap and reflect social equity.

Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees.

Third, an important guarantee for maintaining social stability.

Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions.

Fourth, 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 "one party in trouble and all parties support" by sharing the risk of disease costs among the insured, which is conducive to promoting social civilization and progress.

Five, an important guarantee to promote the reform of the economic system, especially the reform of state-owned enterprises.