During the period of receiving unemployment benefits, employees do not pay medical insurance, nor can they be reimbursed by medical insurance. Medical reimbursement is paid by the unemployment insurance fund.
After receiving unemployment benefits, resume the use of medical insurance cards.
According to the Social Insurance Law:
Forty-eighth unemployed people in the period of receiving unemployment insurance benefits, to participate in the basic medical insurance for employees, enjoy the basic medical insurance benefits.
The basic medical insurance premiums payable by the unemployed are paid from the unemployment insurance fund, and individuals do not pay the basic medical insurance premiums.
Extended data:
First, the hospitalization plan
Mainly to provide the insured with the protection of hospitalization expenses, such as rent, meals and surgery expenses.
General medical insurance will set the maximum amount of protection for various expenses, and the compensation amount may not be 100%. In addition, many medical insurance products will provide cash plans for the insured, and the insured can get a fixed amount of cash according to the terms of the policy and the number of days in hospital.
Second, the outpatient service plan
The coverage generally includes the medical expenses of registered doctors or specialists.
Like the hospitalization scheme, the outpatient scheme will also set the maximum amount of compensation for different medical insurance, and even have an annual maximum.
With the government raising the medical charges of public hospitals and proposing a medical financing plan, Hong Kong people are paying more and more attention to medical insurance. Therefore, major insurance institutions have launched many medical plans to meet the needs of different groups of people.
But how should we choose? What are the precautions when insuring?
The insurance content is unclear.
When I was cleaning my teeth in the dentist's office, the dentist found that I had several cavities and buried dental sores in my teeth. Besides surgery and scraping, I have to have my teeth extracted and my braces made. Thousands of mosquitoes were used in the operation.
At that time, I thought that buying medical insurance would help make up for the fright, but later I found out that my "medical insurance" plan only covered outpatient and hospitalization expenses, but all dental expenses were not included. It's only because I don't know the coverage of the policy that I lost my budget.
Read the insurance policy carefully and understand the protection items.
According to professionals, many policyholders like Mr. Chen know little about the nature and terms of medical insurance.
In fact, medical insurance is to protect the medical expenses of the insured, which is mainly divided into outpatient plan, hospitalization plan and hospitalization cash subsidy plan.
No matter what kind of plan the insured buys, the insurance policy will clearly state the scope of protection and the items not covered. Unless otherwise specified, general medical insurance does not cover dental or oral surgical treatment, cosmetic or plastic surgery, and treatment and surgery caused by pregnancy, abortion and childbirth. , these items will be clearly listed in the "not covered items" of the policy.
As a shrewd policyholder, as long as you read the contents of the policy and understand the definition of medical insurance, you will not be confused about the scope of protection.