What is social medical insurance?

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Hello! What is social medical insurance? Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection.

Social medical insurance means that when workers get sick, social insurance institutions give appropriate subsidies or reimbursement for their medical expenses, so that workers can recover their health and labor ability as soon as possible and enter the process of social reproduction. Social medical insurance is an important part of social insurance, which is generally borne by the government. The government will use economic, administrative and legal means to implement and organize.

China's social medical insurance consists of three levels: basic medical insurance, enterprise supplementary medical insurance and individual supplementary medical insurance. Generally speaking, social medical insurance can reimburse outpatient emergency medical expenses, ambulance emergency medical expenses, medical expenses purchased in designated retail pharmacies according to the relevant provisions of medical insurance, hospitalization expenses, medical expenses below the threshold of pooling funds, medical expenses paid by individuals above the threshold, outpatient serious illness and family bed medical expenses (depending on local regulations).