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<div id="ovqhtsg" class="left_meta clearfix entry-meta"> <time datetime="{$article.time_date}" class="entry-date"> <strong>16</strong> <small>2018-04</small> </time> </div> </div> <h1>個(gè)人醫療保險怎么交？</h1> <div id="9q9lmum" class="article-publish"> 作者：<a href="http://onliving.cn/">輕松保</a> <em>|</em> 發(fā)布時(shí)間：<small>2018-04-16</small> <em>|</em> 閱讀次數：<small>658221</small> </div> <div id="h7oan4e" class="clearfix"></div> </div> <article class="article-info p-t-30 p-b-30"> <h3> 醫療保險怎么交？ </h3> <p align="center"> <br /> </p> <p> <a href="http://onliving.cn/">輕松保</a>小編表示，適合個(gè)人購買(mǎi)的醫療保險包括靈活就業(yè)人員醫療保險、商業(yè)醫療保險、新農保、城鎮居民醫療保險和城鄉居民醫療保險等，不同的保險項目，有不同的繳費政策。 </p> <p> 個(gè)人醫療保險怎么交之靈活就業(yè)人員繳納條件： </p> <p> 1、未在用人單位參加職工基本醫療保險的非全日制從業(yè)人員及其他靈活就業(yè)人員；<br /> 2、就業(yè)年齡范圍內無(wú)雇工的個(gè)體工商戶(hù)；<br /> 3、達到法定退休年齡，但未達到按月領(lǐng)取基本養老保險待遇繳費年限，在本市繼續繳納基本養老保險費的人員。 </p> <p> 據了解，本市戶(hù)口的人員，攜帶身份證原件及復印件、戶(hù)口簿原件及首頁(yè)和本人頁(yè)的復印件、近期免冠一寸（3.3厘米）彩色照片2張，初次參保必須由本人到醫保中心二樓靈活就業(yè)窗口辦理；異地戶(hù)籍人員，除以上手續外，還需持有公安部門(mén)核發(fā)的居住證和勞動(dòng)部門(mén)核發(fā)的用工合同，必須由本人到醫保中心辦理。要注意的是，靈活就業(yè)人員在辦理參保時(shí)，一定要詳實(shí)地登記聯(lián)系電話(huà)（固話(huà)和手機），以便于在需繳費前及時(shí)通知。 </p> <h3> 個(gè)人醫療保險怎么交之商業(yè)醫療保險 </h3> <p> 商業(yè)醫療保險是醫療保障體系的組成部分，單位和個(gè)人自愿參加。國家鼓勵用人單位和個(gè)人參加商業(yè)醫療保險。是指由保險公司經(jīng)營(yíng)的，贏(yíng)利性的醫療保障。消費者依一定數額交納保險金，遇到重大疾病時(shí)，可以從保險公司獲得一定數額的醫療費用。 </p> <p> 目前商業(yè)醫療保險主要有住院津貼型和費用報銷(xiāo)型，前者保險公司以每天固定金額，對被保險人住院治療期間損失進(jìn)行補償，此類(lèi)產(chǎn)品不與社?；蚱渌?lèi)別的商業(yè)醫療保險重復，是最佳選擇。商業(yè)醫療保險只對承保對象實(shí)際產(chǎn)生的醫療費用提供報銷(xiāo)，而不同的商業(yè)醫療保險其報銷(xiāo)范圍是不同的。費用報銷(xiāo)型險種它可報銷(xiāo)住院醫療費用，但報銷(xiāo)范圍不同產(chǎn)品有不同規定。部分商業(yè)醫療保險的保險合同規定，實(shí)際醫療費用須在社保報銷(xiāo)范圍內才能報銷(xiāo)。若已從社?；蚱渌鐣?huì )福利機構取得賠償，保險公司僅給付剩余部分，社保不能報銷(xiāo)的（進(jìn)口藥、特效藥、特護病房等），此類(lèi)商業(yè)醫療保險同樣不能報銷(xiāo)，其作用僅在于對社保報銷(xiāo)后，對需按比例自負的部分進(jìn)行賠償。而部分商業(yè)醫療保險則規定，只要是實(shí)際發(fā)生的合理費用，都可按比例或在一定免賠額后，得到保險公司賠償。 </p> 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