Will medical insurance be universal in 2023?

Will medical insurance be universal in 2023? There will be some abstract differences according to the specific situation. The following detailed analysis: the medical insurance card is not universal in China, and the social security card is universal. After the national universal social security card is loaded with financial functions, it can not only record information, inquire information and handle business, but also be used as a bank card, with financial functions such as cash deposit and withdrawal, transfer and consumption, which is convenient for people to enjoy social security benefits and financial services.

The medical insurance card is not universal in the whole country, only in the insured places. Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment, account fund consumption, etc. The medical insurance card is not universal in the whole country, only in the insured places. Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment, account fund consumption, etc.

Medical insurance reimbursement scope:

1, medical insurance card reimbursement is limited to medical expenses above hospitalization in designated hospitals due to diseases and some accidents.

The reimbursement formula is: (total expenses-threshold expenses-self-funded expenses-cost overrun) *(75 years old *0.2)%, and the actual reimbursement ratio is generally between 20% and 60%.

Self-funded drugs are not reimbursed, 80% of Class B drugs are reimbursed, bed fees are limited, and some inspection fees and medical treatment fees according to regulations cannot be reimbursed.

2. The reimbursement amount of medical insurance card is 4 times of the average salary of local social workers (1 year cumulative value).

3. The money in the medical insurance card can be used to buy medicines at designated pharmacies and pay for outpatient and emergency expenses, but it does not belong to the category of reimbursement, because the money in the medical insurance card is the money in the medical insurance personal account.

4. After the insured suffers from a serious illness, the personal conceit part that meets the requirements of the municipal medical insurance in the designated medical institutions of the municipal medical insurance shall be included in the payment scope of the residents' serious illness insurance, and 50% shall be reimbursed by the serious illness insurance fund. That is, the reimbursement amount = self-funded part ×50%.

Legal basis:

Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium according to the provisions of the state. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity.