Legal analysis: the meaning of "three guarantees in one" actually refers to the unification of basic medical insurance for urban workers, medical insurance for urban residents and new rural cooperative medical care. The new rural cooperative medical system is referred to as the new rural cooperative medical system. By the end of 2020, eight provincial-level regions, 35 prefecture-level regions and dozens of counties in other provinces and autonomous regions have achieved the so-called "three guarantees in one". The State Council's Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents (III) Unified Security Treatment. Follow the principle of moderate security and balance of payments, balance urban and rural security benefits, gradually unify the scope of protection and payment standards, and provide fair basic medical security for the insured. Properly handle the special safeguard policy before integration and do a good job of transition and convergence. The medical insurance fund for urban and rural residents is mainly used to pay the medical expenses incurred by the insured in hospitalization and outpatient service. Stabilize the level of hospitalization security, and maintain the proportion of hospitalization expenses within the policy range at around 75%. Further improve outpatient co-ordination and gradually improve the level of outpatient support. Gradually narrow the gap between the payment ratio within the scope of the policy and the actual payment ratio.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.