How to withhold and pay medical insurance premiums for urban and rural residents?

The withholding and payment of medical insurance fees for urban and rural residents can be paid uniformly through community notification, and of course it can also be handled by the Social Security Bureau itself. The basic medical insurance for urban residents is an integral part of social medical insurance. It is a medical insurance system that is led by the government, mainly based on individual or family contributions, supplemented by moderate government subsidies, and provides medical needs for urban residents in accordance with the principle of consistent payment standards and treatment levels.

The CPC Central Committee and the State Council attached great importance to solving the medical security problems of the broad masses of the people and constantly improved the medical security system. From 65438 to 0998, China began to establish a basic medical insurance system for urban workers, and then launched a new rural cooperative medical system to establish a medical assistance system for urban and rural areas. By 2007, the people without medical security system were mainly urban non-employed residents. In order to achieve the goal of basically establishing a medical security system covering urban and rural residents, the State Council decided to start the pilot project of basic medical insurance for urban residents in 2007. All localities and departments should fully understand the importance of this work, regard it as an important task to implement Scientific Outlook on Development and build a harmonious socialist society, attach great importance to it, make overall plans, standardize and guide it, and make steady progress.

The advantages of medical insurance premiums for urban and rural residents are:

1, when the insured is sick, especially when suffering from serious illness, the economic burden is reduced to some extent;

2. When the insured is in good health, the insurance premium paid can be used to help the patients of other insured persons, which embodies the spirit of "one person is sick and all families help each other";

3. Relieve the worries of the insured. In order to encourage urban residents to participate in insurance, urban residents who meet the insurance conditions are divided according to their insurance time, and different medical deductible periods are set. Within six months after the implementation of the "Measures", the medical deductible period is three months, and there is no deductible period for minor residents; After six months, the deductible for the medical treatment period is one year; After one year, the deductible of medical treatment period is extended to two years; There is no deductible period for low-income residents to seek medical treatment.

Article 45 of the Constitution of People's Republic of China (PRC): "China citizens have the right to receive material assistance from the state or society in case of old age, illness or incapacity to work. The state develops social insurance, social relief and medical and health undertakings that citizens need to enjoy these rights. " The above provisions give citizens a series of rights to get material help. The medical insurance law is the legal guarantee to realize citizens' right to get material help when they are sick. Because medical insurance is a social welfare undertaking organized by the government, this kind of medical insurance can ensure that the insured person can get basic medical services when he is sick, and avoid poverty caused by illness: the government invests a certain amount of money to reduce the personal burden and improve the insurance benefits of the insured person.