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Medical insurance telephone
Medical insurance refers to social medical insurance.
Medical insurance is a social insurance system that meets the basic medical needs of workers when they are sick according to laws and regulations. The State Council promotes the integration of medical insurance for urban residents and the new rural cooperative medical system, and gradually establishes a unified national medical insurance system for urban and rural residents.
Ministry of Human Resources and Social Security held a teleconference on national networking of basic medical insurance and direct settlement of medical treatment in different places, and signed letters of responsibility with the first batch of 22 provinces including Beijing, which applied for national networking of basic medical insurance and direct settlement of medical treatment in different places, marking the formal implementation stage of direct settlement of medical treatment in different provinces. According to the statistical bulletin, in 2020, the number of people participating in the national basic medical insurance is1361310000, and the participation rate is stable at over 95%. With the characteristics of "low level and wide coverage", the payment is based on the cost that most units and individuals can bear at a low level, covering all units and employees in cities and towns, and employees of different units can enjoy the rights of basic medical insurance.
The insured can enjoy it for life after completing the payment period. Secondly, the basic medical insurance has the characteristics of "burden on both sides, unified account combination" and adopts the principle of "balance of payments". In addition to the basic medical insurance, large medical expenses mutual aid system is generally established in all localities to solve the medical expenses above the maximum payment limit of social pooling funds. The state has established a medical subsidy system for civil servants. Conditional enterprises can establish supplementary medical insurance for employees. The state will also gradually establish a social medical assistance system to provide basic medical security for the poor.
legal ground
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.
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