Advantages and disadvantages of universal health insurance model?

The medical insurance mode is: an individual deducts part of his salary into his personal medical insurance account (that is, the amount in the medical insurance card), and the unit deducts part into the national medical insurance account. After continuous payment until retirement, the money in the medical insurance card cannot be taken out and returned after death.

Advantages: solving the basic medical needs of the people.

Medical expenses are reimbursed in proportion.

Disadvantages: the scope of medical insurance drugs is defined (to put it bluntly, some drugs can be reimbursed and some drugs can only be paid at their own expense)

You can't take medical insurance for accidental medical treatment.

The proportion of reimbursement for medical treatment in different places is reduced or not reported

Commercial insurance is a supplement to national medical insurance, which can solve some shortcomings of medical insurance. At present, the state is also vigorously advocating and supporting people to buy commercial insurance. To put it bluntly, national medical insurance only covers the most basic part, and more depends on individuals and insurance companies.