Enterprise supplementary medical insurance is a form of supplementary medical insurance encouraged by the state and organized or participated by enterprises independently. The main forms are self-organized by enterprises, organized by commercial medical insurance institutions and handled by social medical insurance institutions. Let's look at the specific introduction.

Introduction of insurance knowledge and enterprise supplementary medical insurance policy

Enterprise supplementary medical insurance is an insurance system established on the basis of basic medical insurance. The insurance period is generally one year, and the guarantee responsibility is divided into three parts: I just sorted out the relevant contents for the strategy of medical insurance reimbursement, hoping to help you: How to use social security medical insurance? 1. Teach you how to apply for reimbursement!

1. The part below the deductible line of the basic medical insurance pooling fund that is completely paid by individuals;

2. The proportion paid by individuals above the deductible line of the basic medical insurance pooling fund and below the maximum payment limit;

3. The proportion paid by individuals below the maximum payment limit of the basic medical insurance co-ordination fund and the maximum payment limit of large medical expenses subsidy insurance.

Enterprises that have business licenses and pay various taxes according to regulations can decide whether to establish supplementary medical insurance.

The enterprise supplementary medical insurance fund is used for appropriate subsidies for medical expenses borne by individual employees to reduce the medical expenses burden of insured employees. The insurance premium charged by the supplementary medical insurance of enterprises to employees should be within 5% of the total wages of employees, and enterprises can also directly deduct it from the cost without the approval of the financial department at the same level.

The management mode of supplementary medical insurance funds for enterprises is centralized use and management by enterprises or industries, and accounts are established and managed separately, which is used for medical expenses subsidies for employees and retirees with heavy personal burdens of the enterprise, and may not be included in the personal accounts of basic medical insurance, nor may individual accounts be established separately or used for other expenses of employees in disguise.

To sum up, the supplementary medical insurance for enterprises is the medical insurance of Medicaid, which is based on the basic medical insurance, and the enterprise voluntarily pays the medical expenses beyond the basic medical insurance fund according to its own strength.

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