What does social security supplementary medical insurance mean?

Social security supplementary medical insurance is relative to basic medical insurance, including enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance. It is a powerful supplement to basic medical insurance and an important part of multi-level medical security system. The principles for establishing supplementary medical insurance are as follows:

1, voluntary principle;

2. Non-welfare principle, that is, supplementary medical insurance does not have social equity, which embodies the principle of more insurance, less insurance, and no insurance;

3, the principle of objectivity, that is, the establishment of supplementary medical insurance should be based on the local economic development level, income distribution characteristics, population age structure characteristics, the level of demand for medical insurance and other actual conditions.

Payment methods and insurance items of supplementary medical insurance are as follows:

1, hospitalization supplementary insurance, payment rate of 0.8%;

2, outpatient chronic disease supplementary insurance, payment rate1.3%;

3, outpatient specific project supplementary insurance, payment rate of 0.4%;

4, the basic medical personal account supplementary insurance, payment rate of 0.6%. Each unit can choose the appropriate insurance items step by step and item by item according to its own economic affordability and the original level of medical treatment, that is, only those who have participated in the first few items can participate in the latter several items of insurance.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

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.