1. What does supplementary medical insurance for enterprises mean?

supplementary medical insurance for enterprises is a form of supplementary medical insurance that enterprises independently participate in on the basis of paying basic medical insurance. The advantage of supplementary medical insurance for enterprises is that the insurance threshold is low. As long as they are employees or family members of enterprises, even if their physical conditions are different, they can still participate in the insurance normally, and the supplementary medical insurance of enterprises can also cover them.

In addition, the compensation of supplementary medical insurance for enterprises is very flexible. Because the reimbursement mechanism of supplementary medical care in many enterprises is project system, it is not only more convenient to claim compensation, but also the amount of compensation is given to the insured to the maximum extent.

supplementary medical insurance for enterprises is an additional benefit for enterprises, and the insured does not need to pay their own premiums.

second, how to buy supplementary medical insurance for enterprises?

enterprise supplementary medical insurance is generally purchased by enterprises. Employers need to buy supplementary medical insurance according to the nature of their work and budget, which is divided into medical care and old pension.

supplementary medical insurance for enterprises is not compulsory. For enterprises that pay basic social insurance premiums on time and in full, they can decide whether to participate in supplementary social medical insurance.

III. Reimbursement scope of supplementary medical insurance for enterprises

The scope that can be reimbursed by supplementary medical insurance for enterprises is as follows:

1. After medical expenses are reimbursed by basic medical insurance, the expenses that need to be paid by individuals. That is, the part of medical expenses paid by the insured himself can also be reimbursed again with the supplementary medical insurance of the enterprise.

2. Medical expenses that personal accounts cannot afford. Enterprise supplementary medical insurance can also pay the expenses that the individual account of basic medical insurance can't afford.

3. Large medical expenses that individuals need to bear can also be reimbursed by enterprise supplementary medical insurance.