Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".
In the traditional sense, medical insurance refers to raising medical insurance funds among certain insured people in a certain area through mandatory policies and regulations or voluntary contracts handled by specific organizations or institutions.
Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance.