What types of insurance does the basic medical insurance include?

Basic medical insurance, commonly known as social insurance, includes old-age insurance, industrial injury insurance, maternity insurance, medical insurance and unemployment insurance. Paid by units and individuals, it is welcomed by many people.

Commercial insurance is a supplement to social security, and only social insurance without commercial insurance is an incomplete guarantee.

In social insurance, there are not only the threshold fees for medical insurance, but also some items that can only be paid by themselves. Commercial insurance is combined with social insurance. This is a wise choice. Social insurance includes: basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, the basic old-age insurance means that the insured can receive a pension after reaching the legal age, so that the elderly can feel safe. Medical insurance means that the insured needs treatment when he is sick, and the medical expenses and treatment expenses are reimbursed according to a certain proportion.

basic medical insurance

Personal payment.

First of all, the overall planning area should determine a proportion of individual basic medical insurance payment suitable for the burden level of local employees, which is generally 2% of wage income.

Secondly, individuals pay basic medical insurance premiums based on their salary income and according to the proportion of local individual contributions.

Personal payment base should be based on the wage income stipulated by the National Bureau of Statistics, that is, all wage income, including all kinds of bonuses, labor income and material income, multiplied by the prescribed individual payment rate, that is, the basic medical insurance premium that I should pay.

Third, individual contributions generally do not require individuals to pay to social insurance agencies, but are withheld from wages by the unit.

The basis of payment.

The basis for the payment of basic medical insurance is that the employer needs the total wages of employees, the payment method stipulated by the state, and the salary income paid by employees in the previous year.

If the wage income of employees is higher than the average wage of local employees by 300%, the payment base shall be 300% of the average wage of local employees.

Set up an account.

According to the Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Workers (Guo Fa [1998] No.44), the capital injection into individual accounts is divided into two parts: individual contributions and unit contributions: all individual contributions are credited to individual accounts, and some unit contributions are credited to individual accounts.

About 30% of the expenses paid by general units are transferred to personal accounts.

However, the level of medical consumption expenditure of employees in different age groups varies greatly. When determining the contribution ratio of accounting units in the overall planning area, we should consider the age factor of each worker and determine the results of different ages.

The specific proportion of individual accounts paid by the unit shall be determined by the overall planning area according to the payment scope of individual accounts and the age of employees.

The funds injected into the overall fund mainly come from unit contributions.

After the expenses paid by the unit are transferred to the personal account, the remaining part is the funds of the overall fund.

Account processing.

The principal and interest of the employee's personal medical insurance account belong to the employee and can be carried forward for inheritance.

Therefore, after the death of employees who participate in basic medical insurance, there is still a balance in their personal medical accounts, which can be regarded as inheritance, and their relatives will inherit according to the inheritance law.

At the same time, individual medical accounts and employee medical social insurance manuals are cancelled by medical social insurance institutions.

Designated medical service

According to the provisions of the Ministry of Labor and Social Security and other departments on printing and distributing the Interim Measures for the Administration of Designated Medical Institutions for Urban Workers' Basic Medical Insurance (No.[1999] 14 issued by the Ministry of Labor and Social Security), medical institutions that have obtained designated qualifications within the scope of the insured shall be co-ordinated by social insurance agencies after their intention to choose designated medical institutions for medical treatment and payment.

The social insurance agency shall, according to the choice intention of the insured, make overall plans to determine the designated medical institutions.

In addition to specialized medical institutions and traditional Chinese medicine institutions with designated qualifications, generally three to five medical institutions of different levels can be selected, including at least 1 two primary medical and health institutions (including first-line hospitals and various hospitals, outpatient departments, infirmary, convalescent rooms and community health service institutions).

The insured to the selected designated medical institutions, one year later, can put forward the change request, by the local social insurance agencies to handle the change procedures.