The basic medical insurance is universal, economical and compulsory.
(a) extensiveness means that some units and employees, whether state organs, enterprises, private enterprises or individual workers, are all within the basic medical insurance coverage.
(II) * * * Economy means that after all employers and employees pay medical insurance premiums according to regulations, once they are hospitalized or suffer from long-term chronic diseases, medical expenses will be reimbursed by the overall fund in proportion. Therefore, all medical expenses are borne by the insured. Medical expenses are not linked to the economic benefits of the unit, and the cost risk is shared by all insured units and personnel.
(3) Compulsory means that according to the law, all employers and employees in cities and towns must participate in basic medical insurance, so it is different from any voluntary commercial insurance.
Advantages of medical insurance:
(1) With the improvement of China's economic development level and the attention of the government and related research fields, in order to achieve the goal of basically establishing a medical security system covering all urban and rural residents, the State Council decided to start the pilot work of basic medical insurance for urban residents in 2007, explore and improve the policy system of basic medical insurance for urban residents, and gradually establish a basic medical insurance system for urban residents focusing on serious illness. ?
(two) the basic medical insurance enables the insured to choose designated hospitals or community medical institutions for medical treatment, with a wide range of choices, and respects the autonomy and choice of the insured when seeking medical treatment. ?
(3) The basic medical insurance implements computer networking management services, and the expenses required for outpatient service can be settled by ic card at any time, which simplifies various procedures for medical treatment and provides convenient and fast services. For hospitalization, only individuals need to pay a small amount of deposit in advance, and the rest will be settled by personal medical accounts established by social medical insurance centers and designated medical institutions for basic medical insurance, and the funds will be owned by individuals. Account balance funds are regarded as bank deposits and bear interest, which can save certain funds for policyholders. When the insured person is transferred, it can be transferred with him, and the insured person can be inherited by his legal heir after his death.