Answer: For people who are stable out of poverty, their medical insurance grade is specific, mainly depending on the local medical insurance policy. Generally speaking, people who have been out of poverty in most areas will be included in the scope of basic medical insurance, usually the first or second grade of basic medical insurance.
In some areas, people who have been out of poverty can choose to participate in the first or second medical insurance. The first type of medical insurance has low payment and relatively low level of protection; The second type of medical insurance has high compensation and relatively high level of protection. In addition, some areas also provide additional medical security policies for people who are steadily getting rid of poverty, such as customized health insurance products.
First, the basic medical insurance grade
In China, basic medical insurance is generally divided into first, second and third grades. Among them, the first file is the highest grade, with the widest scope of protection and the lowest proportion of individual pays; The third file is the lowest grade, with a relatively narrow coverage and a high proportion of individual contributions. For people who are stable out of poverty, they are usually included in the first or second grade of basic medical insurance.
Second, the policy tilt.
In order to ensure the basic medical needs of the people who have been lifted out of poverty and prevent poverty caused by illness and returning to poverty due to illness, the government will give some inclination to this group of people in the medical insurance policy. For example, reduce their personal payment standards and increase their reimbursement ratio.
Third, local differences.
Due to the differences in economic and social development levels and medical insurance policies in different regions, the medical insurance grades of people who have been lifted out of poverty will be different. Specific grades and treatment standards need to be determined according to local medical insurance policies.
To sum up:
The level of medical insurance for people who have been out of poverty is mainly determined by their local medical insurance policies, usually the first or second level of basic medical insurance. The government will give some preference to this group of people in the medical insurance policy, so as to lower their individual payment standards, increase the reimbursement ratio and ensure their basic medical needs. Specific grades and treatment standards need to be determined according to local medical insurance policies.
Legal basis:
Article 23 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The state establishes and improves the basic medical insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may combine the basic medical insurance for urban residents and the new rural cooperative medical system according to actual conditions. " At the same time, local medical insurance policies will also make specific provisions on stabilizing the medical insurance grade of the poverty-stricken population.