Beijing medical insurance supplemental medical insurance

The following is the answer to the 'Beijing social security supplemental medical insurance and basic medical insurance what is the difference between' ah, I hope to adopt The basic medical insurance is by the employer unit and the employee *** with the same to participate in a kind of social insurance, and supplemental medical insurance is not mandatory through the national legislation. Rather, it is voluntary participation by employers and individuals is in the unit and employees to participate in the unified basic medical insurance, by the unit or individual according to the principle of needs and possibilities, the appropriate increase in medical insurance programs to improve the level of insurance coverage of a complementary insurance The basic medical insurance and supplemental medical insurance is not a contradiction to each other, but rather complement each other, irreplaceable, and its purpose is to provide medical care to the workers The purpose of both is to provide medical protection for employees

The Interim Measures on Supplementary Medical Insurance for Enterprises in Beijing makes it clear that enterprises participating in Beijing's basic medical insurance can set up supplementary medical insurance for their employees and retirees (limited to Chinese employees in the case of foreign-invested enterprises), and at the same time makes specific provisions for the withdrawal and payment of supplementary medical insurance premiums and other related issues. These measures are aimed at implementing the "Beijing Basic Medical Insurance Provisions" and ensuring a smooth transition of the medical insurance system. The measures are as follows: Article 1 In order to improve the level of medical insurance for employees and retirees, these measures are formulated in accordance with the Provisions of Beijing Municipality on Basic Medical Insurance (Decree No. 68 of the Beijing Municipal People's Government of Feb. 20, 2001), and Article 2 Supplementary Medical Insurance is a part of the basic medical insurance. Article 2 Supplementary medical insurance is a supplementary form of basic medical insurance. Enterprises participating in Beijing's basic medical insurance can establish supplementary medical insurance for their own employees and retirees (foreign-invested enterprises are limited to Chinese employees). The supplemental medical insurance of the enterprise is mainly used to solve the medical expenses borne by the retirees individually and the medical expenses that need to be paid by the employees out of their own pockets when they are hospitalized. Article supplemental medical insurance premiums withdrawn in the enterprise within 4% of the total wages of employees in the previous year from the cost of the part of the expenditure. Article 4 supplementary medical insurance premiums pay for the following expenses incurred by employees and retirees in designated medical institutions and designated retail pharmacies: (a) medical expenses when the individual account is insufficient to pay; (b) medical expenses that should be paid by individuals in addition to those paid by the basic medical insurance co-ordination fund; (c) medical expenses that should be paid by individuals in addition to those paid by the mutual aid fund for large medical expenses. Article 5: The scope of payment of enterprise supplementary medical insurance can be determined in accordance with the provisions of the Beijing Municipal Basic Medical Insurance Designated Medical Care Management Regulations, as well as the basic medical insurance drug directory, diagnosis and treatment item directory, the scope of services and facilities, and the standard of payment. The specific payment ratio shall be determined by the enterprise. Article 6 The balance of the supplemental medical insurance premiums of the enterprise in the current year shall be carried forward for use in the next year. Article 7 supplementary medical insurance is managed by the enterprise. Enterprises shall formulate specific management methods in accordance with these Measures. The specific management methods of the supplemental medical insurance and the annual budget plan shall be considered by the general meeting of employees (representatives), and the shareholders' meeting and the board of directors of the joint-stock enterprises shall also be considered by the general meeting of shareholders and the board of directors. The implementation of the supplementary medical insurance of an enterprise shall be subject to review by the employees' (representative) general meeting and shall be publicized to all employees. Article 8 Other employers who are not entitled to medical subsidies for state civil servants may establish supplementary medical insurance with reference to these Measures. Article 9 the establishment of supplementary medical insurance employer before January 30 each year in the participating districts, counties, medical insurance affairs agencies to register, and report the previous year's expenditure of funds. Article 10 of these measures by the Municipal Bureau of Labor and Social Security is responsible for the interpretation. Article XI of these measures since April 1, 2001 shall come into force. The issuance of the measures require full understanding of the importance of the establishment of enterprise supplemental medical insurance, and requires that enterprises with conditions to establish enterprise supplemental medical insurance, while highlighting the key issues to be resolved.