User question:Attached to my company provides us with insurance and welfare, I have a monthly income of 10,000 in Shanghai 31 years old. Please combination of the following circumstances, what advice do I need health insurance and accident insurance (pension and life insurance temporarily by considerations) 2, health care (1) Supplementary Medical: 1, scope and standards of , employee expenses due to illness of the door() Medical expenses reimbursement standards: remove the basic medical insurance accounts staff I happened upon the amount of personal commitment to the full reimbursement of medical expenses is multiplied by the ratio. Reimbursement of employee commitment to 60% 40% outpatient and emergency hospitalization for more than 80% 20% of the aggregate maximum amount of reimbursement each year 15,000 yuan. , employee hospitalization or surgery due to various allowances given. . General inpatient care allowance: a result of malignant disease outside the hospital, according to the actual number of hospital days, 50 yuan per day for hospitalization medical allowance and up to 180 days / year. . Cancer Hospital Allowance: Hospital suffering from cancer, according to the actual number of days hospitalized for cancer, 80 yuan per day hospitalization allowance, up to 180 days / year. . Ambulatory surgery medical benefits: the implementation of surgical medical hospital due to illness, according to the procedure in force in the project by 500 yuan to 5,000 yuan for ambulatory surgery medical benefits. . Surgical anesthesia accident allowance: an operation in the patient during anesthesia, accidental death due to anesthesia or high-residue, according to 20,000 yuan subsidy given to surgical anesthesia. , employees in the company clinic for medical treatment: what happened in the clinic for treatment of medical expenses, staff costs shall be borne 40%. 3, medical institutions: staff must be designated medical institutions, and designated retail pharmacies or dispensing medical treatment as required. 4, reimbursement process: (see Annex) (c) The medical staff: company's annual arrangements for designated municipal hospital to provide staff with an annual physical examination, physical examination include: internal medicine, surgery, ENT examination, X-ray, B-chao, ECG testing and routine blood test, urine routine, blood biochemical tests. In addition, the company dedicated to female employees to provide gynecological examinations. 4, group insurance (1) Supplementary work-related injuries: participation in Shanghai, on the basis of the statutory work injury insurance, the company set up to add work-related injuries, according to the difference between compensation. 1, supplementary work-related injuries in the scope and criteria: (1) death in fatal one-time compensation. Standard according to my 50 months of salary compensation. (2) work disability due to a one-time permanent disability benefits. The standard base and the monthly payment by I get high as the base in Shanghai a few months of statutory compensation for work injury insurance, 1.5 times that for the compensation standards. 1, Shanghai statutory work-related injuries work-related injuries with the company to add the standard comparison: the scope and standards of compensation for work injury insurance company in Shanghai to add the statutory standards for work-related injuries killed a one-time compensation for death (funeral subsidy) 50 +6 months of community level wages over the previous year 50 months according to I salary for 6 months on the funeral by She-ping salary dependent relatives Pensions (benefits) 30% -50% of the work injury insurance pay wages in accordance with statutory disability wages and benefits during a work stoppage, hospitalization 70% of food other than room and board and co-ordination , transport 100% (due to travel on official business according to standards) 2, 3 former wages and benefits, care, work injury insurance in accordance with statutory one-time grant of permanent disability benefits a few base salary = salary number: According to different disability grades 6-24 months to determine On the base: the number of pay wage pay: injury risk of 1.5 times the base: According to monthly payment of wages and I get high on disability allowance, 1-4 (to retire): 75% -90% of the contribution wage of five to six level (not working period): 60% -70% of the wage payment on life insurance in accordance with statutory work-related injuries 50% -30% over the previous year nursing community level pay medical expenses in accordance with statutory injury insurance (Medicare standard) medical insurance commitment, the commitment to the rest of the fund work injury insurance in accordance with statutory one-time medical and disability employment subsidies 5-10 :30-5 months a year agency level wages in accordance with statutory work-related injuries insurance and other costs aids the ability to work injury insurance in accordance with statutory appraisal costs (b) non-work - deaths and accidental injury treatment: 1, in Shanghai enterprise workers killed at work due to illness or treatment on the basis of the relevant provisions, the company added a one-time compensation for death. Standard according to my 24-month salary compensation. 2, Shanghai due to illness or accident arising out the relevant provisions of the Company's treatment of illness or accident arising out comparison: the scope and standards of treatment of the relevant provisions of Shanghai industrial accidents due to illness or disease, the company added benefits accidental death of a one-time non-work - compensation for death without a monthly salary of 24 months, I killed a one-time funeral subsidy 2 months of this business by the average monthly wage in Shanghai dependent relatives the legal treatment of the standard monthly fee 6-12 months of relief, wages and salaries (one-time distribution) on the legal treatment of Shanghai standard medical sick leave during a continuous period of employee wages and benefits according to length of service: six months or less: 70% of the monthly salary by 60% -100% more than six months: 70% of the monthly salary by 40% -60% in sick leave: six months or less: 70% of the monthly salary of more than six months: 50% of the monthly medical expenses (health insurance standards) basic health insurance to bear part of the basic health insurance conceited parts: 60% of outpatient emergency treatment, hospitalization 80% 100% grant reimbursement limit: 24 months my salary (beyond the Part of the supplementary medical insurance limits processing)
Experts answer: To tell the truth, your company's benefits are pretty good, get rid of social security claims for reimbursement, after there was such a high amount, whether it is outpatient, hospitalization, or surgery, and related benefits under a one has a high support capacity, periodic medical examinations, groups of accidents, injuries == include very comprehensive. But one thing, there is no payment in advance of major diseases of the security function, to protect all of the medical accidents are reimbursement after the incident, which means you must own money to acquire a Dianzhe. Depending on your monthly income in 1W, I suggest you buy a major disease risk, early payment type, preferably also on behalf of the dividend will be perfect, so if the risk occurs, the hospital is indeed a disease of the book, you can let the insurance company The corresponding pre-treatment to give you money, and afterwards obtain other companies for reimbursement, and for your family's financial security is a very comprehensive, and will not cause the financial crisis, re-disease risk (the scope of protection must be comprehensive, it is best defined by the medical profession 25 major categories are included) safeguards in the 30W or so more suitable for you, your annual income 12W Well, 31 years old, the estimated cost 7K / Y around, accounting for 5.8% of your total income, it will not cause the usual economic pressure.

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