What's the use of medical insurance?
The basic medical insurance system refers to the social insurance system that pays a certain proportion of medical insurance premiums in accordance with the provisions of the state, and the medical insurance fund pays the medical insurance benefits after the insured suffers medical expenses due to diseases and accidental injuries. What is its goal? Is there a doctor who can treat this disease? . The basic medical insurance system consists of three parts, namely, the basic medical insurance system for employees, the new rural cooperative medical system and the basic medical insurance system for urban residents.
Brief introduction of the role of medical insurance
First, it 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, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.
Second, adjust the income gap 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.
Third, an important guarantee for maintaining social stability.
Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions.
Fourth, an important means to promote social civilization and progress.
The social system of medical insurance and social mutual assistance reflects the risk of disease expenses among the insured. One side is in trouble, and all sides support it? New social relations are conducive to promoting social civilization and progress.
Five, an important guarantee to promote the reform of the economic system, especially the reform of state-owned enterprises.
Articles 23, 24 and 25 of the Social Insurance Law stipulate that China's basic medical insurance consists of three systems: basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents. This is the first time that the framework of China's basic medical insurance system has been fixed in legal form, and the legal status of the three basic medical insurances has been clarified.
(1) The framework of the basic medical insurance system is clear, and the three systems cover all urban and rural residents.
Accelerating the establishment of a social security system covering urban and rural areas is an important part of the great strategic plan for building a well-off society in an all-round way put forward by the 17 th National Congress of the Communist Party of China, and it is also an inevitable requirement of scientific development. The Opinions of Central the State Council on Deepening the Reform of Medical and Health System also proposes to establish a basic medical security system covering urban and rural residents. At present, the reform of medical and health system has entered a critical period. The construction of the basic medical insurance system is directly related to the physical and mental health, quality of life and social welfare level, national quality and social equity of hundreds of millions of people. It is an important part of the medical and health system reform and an important part of the social security system covering urban and rural residents. In the past, there was an understanding that the basic medical insurance only included medical insurance for employees and medical insurance for urban residents, while the new rural cooperative medical care did not belong to the basic medical insurance. The Social Insurance Law makes it clear that China's basic medical insurance system consists of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents. The system covers all urban and rural residents, and the framework of the basic medical insurance system is determined by law for the first time. In order to promote the process of medical and health system reform and realize the goal of all residents? Is there a doctor who can treat this disease? Provide legal protection.
(B) clear medical insurance mutual assistance, payment and treatment linked to the basic system types.
The Social Insurance Law clearly regards the medical insurance system related to payment and treatment enjoyment as the main system of the medical security system, and clarifies the general idea of the construction of the medical security system. It is in line with China's current economic development level and the current situation of the medical service market to raise funds through multiple channels to purchase basic medical services and reasonably determine the multi-form and multi-level security modes corresponding to different payment subjects, payment levels, security standards and medical service scope.
(3) Clearly cover all urban and rural residents and achieve coordinated urban and rural development.
The Opinions of the Central Committee of the Communist Party of China and the State Council on Deepening the Reform of Medical and Health System clearly points out that a basic medical security system covering urban and rural residents should be established. At the same time, it is pointed out that with the development of economy and society, we should gradually improve the level of financing and overall planning, narrow the gap in the level of security, and finally realize the basic unity of the institutional framework. The Social Insurance Law clearly stipulates that the three systems cover all urban and rural residents, which is conducive to promoting the integration of systems and establishing a medical insurance service management system that coordinates urban and rural areas; It is conducive to speeding up the improvement of the overall level of medical insurance, expanding the scope of fund transfer and enhancing the economic capacity of the fund; It is conducive to promoting the transfer of basic medical insurance relations, improving medical service management, and adapting to the trend and demand of increasing personnel flow.
;