What is the difference between the first and second files of Wuwei flexible medical insurance?

First, the payment ratio is different. The first payment rate of medical insurance is 8.2%, the unit payment is 6.2%, and the individual payment is 2%. The payment base is the actual salary of employees (the minimum is 4488 yuan), and the total payment is 368 yuan; The contribution rate of the second-grade medical insurance is 0.8%, the unit contribution is 0.6%, and the individual contribution is 0.2%. The payment base is the average monthly salary of employees in the previous year (now 7480), and the total payment is 59.8 yuan;

Second, the applicable population is different. The first file of medical insurance: deep households are forced to buy one file, and non-deep households can also buy one file, such as listed companies of well-known large companies; Second-class medical insurance: Generally, companies pay second-class medical insurance, because enterprises also have benefits.

Third, the principle of seeking medical treatment is different. First-class insured: any designated medical institution in this city for medical treatment; The second class insured person goes to the bound social health center for medical treatment, is hospitalized in any designated medical institution in the city, and is seriously ill in the prescribed medical institution.

Fourth, hospitalization reimbursement is different. Grade I: 90% of the hospitalization report, requiring hospitalization in a designated hospital; The second file: the hospitalization report is 90%, and hospitalization needs to be handled in a designated hospital;

Fifth, outpatient reimbursement is different. The first file: continuous insurance 12 months, and 70% can be reimbursed if the annual self-expense exceeds RMB 3 1, 3 1; Social health report 30%; Large equipment inspection report 80%; Grade II: There is an annual outpatient fee of 1 1,000 yuan, which needs to be bound to a community health hospital. Maximum single examination and treatment of large-scale outpatient equipment 1.20.

Sixth, the insurance time requirements are different. If the first insured person has been insured for one year in a row, the average salary of supermarket employees is 5% of the basic outpatient medical expenses and supplementary medical expenses paid by himself in the same medical insurance year, and 70% (80% for those over 70 years old) is paid by the overall fund in accordance with the regulations. The secondary insured has no specific time requirement.