Medical insurance refers to social medical insurance, social medical insurance is our country and society based on certain relevant laws and regulations, in order to ensure that the scope of employees to give the basic medical service needs of the sick to ensure the creation of the social security system, basically medical insurance fund by the integrated fund and personal account, employees pay the most basic medical insurance premiums all credited to the personal account; the employer company to pay the basic medical insurance premiums are divided into two categories, part of which is allocated to the personal account, part of which is used to create the integrated fund. The basic medical insurance premiums are divided into two main categories, one of which is assigned to the individual account and the other is used to create a general fund.
Medical insurance is people's basic health care medical problems, since the implementation of the basic medical insurance regulations for urban workers to date, our country in turn and opened the new rural cooperative medical insurance mechanism and urban and rural residents of the basic medical insurance management system, through a variety of medical insurance system, to alleviate the masses of the people's basic health care problems, so that the majority of the masses can afford the disease.
At the same time, along with the rapid development of society as a whole, China in recent years has also been promoting the reform and innovation of the medical insurance system, and gradually rural residents' medical insurance and urban residents' medical insurance included in the urban and rural residents' medical commercial insurance, this combination of reform and innovation is also gradually carried out, the rural people and the townspeople can enjoy the same level of basic medical insurance, in addition to this, our country has been gradually perfected. In addition, China has gradually improved the basic medical equipment infrastructure, improve the quality of medical services for rural people and other people, rural people and other groups of the most basic medical security system is also becoming increasingly sound, medical conditions have also been significantly strengthened.
Participation in medical insurance can save to how much money? Accompanied by the rapid development of health insurance system reform and innovation, the general public enjoy the basic level of health insurance is still rising, in addition, because the general public basically health care medical concept of improvement and the implementation of the national health care system, the total number of participants in the health care system also continued to rise, but after participating in the health insurance system, medical treatment can save how much money.
It is now a matter of concern, basically medical insurance fund (including maternity insurance) spending 2103.2 billion yuan across the country, the average value of participation in the medical insurance average medical expenses reduced by 154.5 yuan, naturally, although a large part of them participated in the medical insurance to ensure that, but does not involve medical insurance reimbursement and expenditure, which can be seen to participate in the health care insurance system to be able to significantly Relieve the masses of people's basic medical insurance pressure.
How much money can urban residents save for medical care? Urban residents health insurance level, the average value of urban residents across the country hospitalization costs 7546 yuan, in which the third level, second level, junior high school level and subordinate fixed-point medical institutions are 13533 yuan, 6464 and 3237 yuan, respectively, in the level of hospitalization costs, urban residents consume 70% of the funds, so in the level of the residential spending, the average value of the urban residents across the country to save 5,282.2 yuan each time to third-level Urban residents who visited medical institutions saved $9,473, the average value of urban residents who visited secondary medical institutions saved $4,524.8 per visit, and the average value of urban residents who visited primary medical institutions saved $2,265.9 per visit.
It is not difficult to see, urban residents medical insurance greatly alleviate the pressure of medical care for urban residents, in recent years, along with the urban and rural residents of the high-speed development of the reform and innovation of the mechanism of medical insurance, the country are constantly improving the unified social medical insurance regulations for urban residents, and effectively enhance the standard of subsidies for the government sector and the norms of individual payment, and improve the regulations of the medical assistance for serious illnesses, I believe that in the future recitation of the towns and cities of urban residents of the Basic medical insurance will certainly be improved.
Why are pension insurance premiums still increasing? Accompanied by the current stage of reform and innovation of the medical insurance system of high-speed development, many people found that medical insurance contributions continue to rise, especially in the urban residents of the health insurance, in recent years, the urban residents of the pension insurance premiums from the original dozens of dollars rose to 320 yuan, and gradually increased at the rate of 30 dollars per year, why the pension insurance premiums continue to rise.
The reason is that people's basic medical service needs have been raised, at this stage, along with the further improvement of living standards, the students' basic medical insurance concept and medical service needs are still rising, and thus the medical fees continue to rise; the second is that the basic medical insurance level continues to rise, in the reform of the medical insurance system in recent years, our country has continued to raise the level of the general public's basic basic medical insurance, the general public medical reimbursement ratio continues to rise. Secondly, the standard of basic medical insurance continues to improve, in the reform of the medical insurance system in recent years, China continues to improve the standard of basic medical insurance for the general public, the general public medical reimbursement ratio continues to improve, the cost of reimbursement door is gradually reduced, and at the same time, the payment of medical insurance and aid subsidies gradually increased; it is also because of these factors, the payment of medical insurance is also continuously improved.