Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
Medical insurance has the characteristics of "low level and wide coverage", and its purpose is to ensure that everyone can afford it. In general, each insured person can choose 4 designated hospitals for medical insurance, including 1 compulsory community hospital.
1 is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, it relieves the worries of workers who are ill and have no money for treatment, so that they can work with peace of mind, thus improving labor productivity and promoting the development of production; On the other hand, security can effectively promote the physical and mental health of workers and ensure the normal reproduction of labor.
2. Adjust income differences and reflect social equity. Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees. _
3. An important guarantee for maintaining social stability. Medical insurance helps patients economically, helps to alleviate social instability caused by diseases, and is an important mechanism to adjust social relations and social contradictions.
4. An important means to promote social civilization and progress. The social system of medical insurance and social mutual assistance is to share the risk of medical expenses among the insured, which embodies the new social relationship of "one party is in trouble and all parties support" and is conducive to promoting social civilization and progress.
Enjoy treatment according to uniform standards. The same access conditions, the same fees, the same treatment, there is no difference between high and low. The employee's outpatient expenses can be deducted from his personal account and paid by the employee after deduction. The hospitalization expenses of employees shall be reimbursed in proportion: 1 1,000 yuan, and 86% of the expenses shall be reimbursed by tertiary hospitals; 65,438+0,000 to 20,000 yuan, and 88% of the expenses are reimbursed by tertiary hospitals; 20,000 to 40,000 yuan, and 92% of the expenses are reimbursed by tertiary hospitals. If employees have not been sick for several years in a row, personal account funds can be accumulated.
5. Promote the reform of economic system, especially the welfare reform of state-owned enterprises.
Medical insurance refers to 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. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; Basic expenses paid by employers ... Want to know more about the characteristics and advantages of medical insurance?
With the characteristics of "low level and wide coverage", the payment is based on the expenses that most units and individuals can bear at a low level, covering all units and employees in cities and towns, and employees of different units can enjoy the rights of basic medical insurance. The insured can enjoy it for life after completing the payment period. Secondly, the basic medical insurance has the characteristics of "burden on both sides and combination of unified accounts"; Based on the principle of "balance of payments".