Can be purchased separately.

Medical insurance, like other types of insurance, collects medical insurance premiums in advance from people who are threatened by the disease in the form of a contract to establish a medical insurance fund; when the insured becomes ill and goes to a medical institution for medical treatment and incurs medical expenses, the medical insurance will be paid by the medical insurance company.

The insurance agency will provide certain financial compensation.

Therefore, medical insurance also has two major functions of insurance: risk transfer and compensation transfer.

That is, the economic losses caused by disease risks on an individual are shared among all members who are threatened by the same risks, and a centralized medical insurance fund is used to compensate for the economic losses caused by the disease.

Extended information: (1) Insured persons must go to designated medical institutions of the basic medical insurance to seek medical treatment and purchase drugs, or purchase drugs from designated retail pharmacies determined by social insurance institutions with medical prescriptions issued by doctors in designated hospitals.

(2) The medical expenses incurred by insured persons during medical treatment must comply with the scope and payment standards of the basic medical insurance drug catalog, diagnosis and treatment items, and medical service facility standards before they can be paid by the basic medical insurance fund in accordance with regulations.

(3) Among the medical expenses of insured persons that are within the payment scope of basic medical insurance, the portion of the expenses above the minimum payment standard of the social medical co-ordination fund and below the maximum payment limit shall be paid by the social medical co-ordination fund in a uniform proportion.