What is the medical insurance paid by the community?

The medical insurance paid by the community belongs to the medical insurance for urban residents.

The medical insurance paid by the community also belongs to the medical insurance for urban and rural residents, mainly the medical insurance paid by people who have urban hukou but have not participated in employee medical insurance. The corresponding medical insurance costs are less than employees' medical insurance, and there is no requirement for payment period and payment continuity, but the reimbursement ratio and corresponding medical insurance benefits will be less than employees' medical insurance, and the reimbursement ratio from primary medical institutions to higher medical institutions will be reduced. In addition, when seeking medical treatment, you need to start from the community hospital first, and you can go to a big hospital for treatment if you meet the conditions for transfer.

Rural medical insurance pays the way as follows:

1, individual application. Rural residents bring the original and photocopy of the household registration book and the second-generation resident ID card to the village Committee where the household registration is located to apply for rural medical insurance, choose the payment grade, and fill in the registration form of new rural social medical insurance in duplicate;

2. Village assistant inspection. The village assistant is responsible for checking whether the registration form and family social relations form of the elderly registered in rural areas are complete, whether the information such as the name and second-generation ID number filled in is accurate, whether there is personal signature or seal, and whether the relevant materials provided by the insured are complete. After the inspection is correct, they sign the registration form, affix the official seal of the village Committee, attach the insured's second-generation ID card, a copy of the household registration book and other materials, and then report to the township labor security office;

3. Township trial. The township labor and social security office conducted a preliminary examination of the relevant materials for the registration of insurance reported by the village. After the examination is correct, the handling personnel shall sign the insurance registration form, affix the township security office seal, timely input the basic information of the insured into the new agricultural insurance information system, and report the insurance registration form, the second-generation resident ID card, a copy of the household registration book and other materials to the county agricultural insurance center;

4, the county agricultural insurance center review. The county agricultural insurance center shall timely review the relevant materials for the registration of the insured reported by the township, confirm the basic information of the insured entered by the township labor security, and establish a personal account for the insured; Sign and seal the registration form, and file relevant materials for the record.

To sum up, the medical insurance bought by the community is called urban residents' medical insurance. In other words, for those who can't participate in employee medical insurance with urban hukou, the fees paid are relatively small, and the reimbursement ratio and total reimbursement amount are not as high as employee medical insurance. In addition, when choosing a hospital, we must start with a community hospital and meet the transfer requirements before going to a big hospital. If you go directly to a big hospital, you may not be reimbursed. Medical expenses incurred by insured residents in hospitalization in designated medical institutions shall be subject to Qifubiaozhun, and the part exceeding Qifubiaozhun shall be controlled according to the proportion of hospitalization level and maximum payment limit.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

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.