Basic medical insurance for urban workers is one of the components of China's medical insurance (urban workers' medical insurance, urban residents' medical insurance, the new rural cooperative medical care), is to compensate for the risk of disease suffered by workers to establish a social insurance system. Through the employer and individual contributions, the establishment of a medical insurance fund, the participants in the medical expenses incurred after the illness of the medical insurance agency to give some economic compensation, in order to avoid or alleviate the economic risks borne by the workers due to illness, treatment and so on.
Second, how do individuals pay for employee health insurance?
Employee health insurance individuals can not be insured. The company's health insurance is paid for by the employer for the unit's employees as a whole, and the employee health insurance premiums are borne by the employer and the employee **** the same burden. Individuals can only participate in the flexible employment medical insurance. Flexibly employed persons usually refer to self-employed industrial and commercial households with urban household registration in the administrative area of the city, part-time workers who do not participate in the employee medical insurance in the employer's organization, and other flexibly employed persons. You can bring your hukou and ID card to your local health insurance department to inquire about the scope of coverage and contribution rates for flexibly employed persons. Basic medical insurance premiums are paid by both the employer and the individual employee***. Currently, the employer pays 7% of the total amount of the active employee's last month's contribution salary, and the individual pays 2% of his/her last month's contribution salary. The supplementary medical insurance fund is paid by the employing unit at 1.2% of the total amount of the last month's contribution salary of the active employee, and the individual does not contribute.
Three, the scope of reimbursement of employee medical insurance
Basic medical insurance to pay part of the cost of diagnosis and treatment items range:
(A) diagnostic and treatment equipment and medical materials category
1, the application of X-ray computed tomography (CT), stereotactic radiography devices (γ -knife, χ-knife), cardiac and angiography X-ray machine (including digital subtraction equipment), magnetic **** vibration imaging device (MEI), single photon emission computerized scanning device (SPECT), color Doppler, medical linear gas pedal, and other large-scale medical equipment for the examination and treatment of the project;
2
2, extracorporeal shock wave lithotripsy and hyperbaric oxygen therapy
3, pacemakers, artificial joints, artificial crystals, vascular stents in vivo replacement of artificial organs, in vivo placement of materials
4, the provincial pricing department can be charged separately for disposable medical materials.
(B) treatment project category
1, hemodialysis, peritoneal dialysis
2, kidney, heart valves, cornea, skin, blood vessels, bone, bone marrow transplantation
3, cardiac laser perforation, anti-tumor cellular immunotherapy and fast neutron therapy projects.
(3) Medical instruments and equipment for examination, treatment programs and medical materials with a single cost of more than 400 yuan.