At present, there are three versions of Huaxia Medical Insurance Link, among which Huaxia Additional Medical Insurance Link (flagship enhanced version) medical insurance is guaranteed to be renewed for 6 years.

6 years is a guarantee renewal period. During this period, the insurance will not be refused because of the suspension of insurance sales, the insurance will not be refused because of the settlement of insurance claims, and the insurance will not be refused because of the change of the insured's physical health; Upon the expiration of the warranty renewal period, insurance will not be refused due to claims or changes in health status, and the next warranty renewal period will be entered.

if there is no claim during the insurance period, you will enjoy the renewal reward. If there is no claim, it will be reduced by 1, every two years, and the minimum will be 5,.

medical insurance means that through national legislation, according to the principle of compulsory social insurance, the basic medical insurance premium should be paid in full and on time by the employer and individual employees. If it is not paid in full and on time, regardless of personal account, the basic medical insurance fund will not pay its medical expenses.

Take the proportion of medical insurance payment in Beijing as an example: the employer pays 1% of the total payment base every month, and the employee pays 2% of his salary+3 yuan for serious illness as a whole.

medical insurance is an insurance to compensate the medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth.

such as free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals, so as to reduce the burden on enterprises and avoid waste. The insurance liability accident needs to be treated, and the insurance premium is paid in proportion.

Origin and development

Medical insurance originated in Western Europe and can be traced back to the Middle Ages. With the success of the bourgeois revolution, family workshops were replaced by large industries, and modern industrial teams appeared. Due to the harsh working environment, the occurrence of epidemic diseases and industrial accidents makes workers require corresponding medical care.

But their wages are low, so it is difficult for individuals to pay medical expenses. So workers in many places spontaneously organized themselves to raise some funds for expenses when they were sick.

but this form is not very stable, and it is small in scope, and its ability to resist risks is very low. At the end of 18th century and the beginning of 19th century, private insurance developed in Western Europe and became an important way for the state to raise medical funds.

medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality.

Therefore, the medical insurance system is usually legislated and enforced by the state, and a fund system is established. The expenses are paid by both the employer and the individual, and the medical insurance premium is paid by the medical insurance institution, so as to solve the medical risks caused by the illness or injury of the workers.

Classification

According to its nature, it can be divided into social medical insurance and commercial medical insurance.