Basic medical insurance is the most basic guarantee to protect people's medical risks. The most important purpose of medical insurance is mutual assistance. It is a great welfare of the people for healthy people to help patients.
China's resident insurance implements the financing mechanism of individual contributions plus government subsidies, and financial subsidies account for a large part. In fact, individuals only need to pay a small percentage to enjoy medical insurance.
In recent years, China's basic medical insurance system has been continuously improved, and residents' insurance subsidies have increased year by year.
From 2065438 to 2008, the financial subsidies and individual payment standards for medical insurance for urban and rural residents increased simultaneously. On the basis of 20 17, the per capita financial subsidy standard at all levels will be increased by 40 yuan, reaching a level not lower than that of 490 yuan per person per year.
In 2065438+2009, the per capita financial subsidy standard for residents' medical insurance in China increased to 30 yuan, reaching no less than 520 yuan per person per year.
In 2020, the per capita financial subsidy standard for residents' medical insurance in China will be increased by 30 yuan, reaching the level of not less than 550 yuan per person per year.
On March 2nd, the State Council announced the implementation of quantitative indicators in the 2020 government work report. In the field of social security, the per capita financial subsidy standard for residents' medical insurance has increased by 30 yuan, indicating that the task has been completed. 65438+By the end of February, 2020, the per capita subsidy level in various places reached or exceeded the national standard, and the per capita annual subsidy was not lower than that in 550 yuan.
What kind of reimbursement can the insured enjoy after participating in medical insurance?
From the overall situation of the country, in terms of hospitalization security, the reimbursement ratio of hospitalization expenses within the scope of employee medical insurance and resident medical insurance policies is about 80% and 70% respectively, and the annual maximum payment limit of the overall fund is about 6 times of the annual average salary of local employees or the annual per capita disposable income of residents respectively. In terms of outpatient medical insurance, employees' medical insurance and residents' medical insurance have generally carried out outpatient chronic diseases (special diseases) protection, and residents' medical insurance has also generally carried out outpatient expenses pooling.
The Blue Book of Medical Security: Report on the Development of Medical Security in China (2020) shows that in recent years, the coverage of medical insurance has gradually extended from serious illness in hospital to minor illness in outpatient service, and some chronic diseases and special diseases with high medical expenses such as hypertension, diabetes and renal dialysis have been included in the payment scope of medical insurance fund.
With the official launch of the latest version of 1 medical insurance catalogue in March this year, the number of drugs that can be reimbursed by medical insurance has reached the highest level in history. These safeguards are put in place, and the real landing needs financial guarantee. The improvement of residents' medical insurance subsidy standard can further narrow the gap between the two medical insurance systems and meet the medical needs of the needy people.
The multi-level medical security system with universal coverage, moderate security and sustainability is the China characteristic of China medical insurance system. At present, China has established the largest basic medical insurance network in the world, with the population covered by basic medical insurance exceeding 654.38+0.36 billion, and the participation rate is stable at over 95%, and the participation rate of poor people is stable at over 99.9%.
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