How to pay medical insurance for urban residents?

I. Terms of payment:

(1) unit payment: the employer deducts a part of the amount from the employee's salary every month to pay the medical insurance premium, and then the financial department of the unit pays the fee to the social security department every month.

(2) Individual contributions:

1. I took my ID card and social security card to the local social security department and paid the monthly fee.

2. In the city services of mobile phone Alipay and WeChat, after the social security card is bound, medical insurance can be paid quickly.

Two. Basic medical insurance materials for urban residents: urban residents who take the family as the unit to participate in the insurance must provide the original and photocopy of the household registration book, resident ID card or other valid identification issued by the public security organ. Persons with special identities, such as severely disabled persons, persons enjoying subsistence allowances, family members with special difficulties, and elderly people over 60 years old from low-income families, shall provide the original and photocopy of relevant certificates. Students who have non-agricultural household registration in this city and have reached the age of 18 should provide the original and photocopy of their student ID card if they are insured with their families.

Legal basis:

People's Republic of China (PRC) social insurance law

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Thirty-first social insurance agencies may, according to the needs of management services, sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior.

Medical institutions shall provide reasonable and necessary medical services for the insured.

Derivative problem:

What are the advantages of basic medical insurance for urban residents?

First, it is to reduce the economic burden to some extent when the insured is sick, especially when he is seriously ill.

Second, when the insured is in good health, the insurance premium paid can be used to help other insured patients, thus embodying the spirit of "one person is sick and every family helps".

The third is to 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 of insurance (including minor residents, the same below), the starting period of medical treatment 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.