What kinds of basic medical insurance includes?

Basic medical insurance includes the following categories:

1. Basic medical insurance for urban employees: the contribution rate of the employer is generally controlled at about 6% of the total wages of employees, and the individual contribution rate of employees is 2% of their own wages; Retired individuals do not pay fees;

2. Basic medical insurance for urban residents: the financing standard is determined by local governments according to the level of economic development and residents' affordability, which is generally about 2% of the per capita disposable income of urban households;

3. The new rural cooperative medical system: the annual per capita financing level is about 55 yuan, and the annual contribution of individual farmers is not less than 10 yuan. Specific standards can be adjusted according to the level of regional economic development.

Financing methods of social security:

1, individual payment: the insured pays the social security fund according to the specified proportion;

2. Unit payment: the unit pays a certain percentage of social security fees for employees;

3. Government subsidies: the government subsidizes the social security expenses of certain groups or industries;

4. Social donation: donations from social groups or individuals to social security funds.

To sum up, the basic medical insurance financing standard embodies the principle of differentiation. Urban workers' insurance is based on a certain proportion of total wages, and the proportion of individual contributions is about 2%, and retirees are exempt from payment; Urban residents' insurance is determined according to the local economic situation and residents' ability, and usually accounts for about 2% of the per capita disposable income of families; The annual per capita financing level of the new rural cooperative medical system is about 55 yuan, and the minimum individual payment standard is 10 yuan, which can be adjusted appropriately according to the regional economic level.

Legal basis:

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

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children. Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.