Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Basic medical insurance (comprehensive medical insurance, hospitalization medical insurance, labor medical insurance and children's medical insurance), local supplementary medical insurance and maternity medical insurance, enterprise supplementary medical insurance, civil servant Medicaid system and commercial medical insurance. Coverage of medical insurance: the coverage of medical insurance is very wide, and medical expenses are generally differentiated according to the characteristics of medical services, mainly including doctor's outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization expenses, operation expenses, and various inspection expenses. Medical expenses are all kinds of expenses incurred by patients to treat diseases, including not only doctors' medical expenses and operation expenses, but also hospitalization expenses, nursing expenses and hospital equipment expenses. Classification of basic medical insurance: Basic medical insurance includes comprehensive medical insurance (including outpatient and inpatient), inpatient medical insurance, labor medical insurance and children's medical insurance. Function of medical insurance: Medical insurance refers to the insurance that pays insurance money on the condition that the medical behavior agreed in the insurance contract occurs, and provides protection for the medical expenses of the insured in the process of medical treatment. Medical insurance Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance through contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds. Basic medical insurance is suitable for people: comprehensive medical insurance is suitable for the following personnel: Shenzhen household registration personnel (1) working personnel with local household registration (including blue-printed household registration, the same below); (2) the original rural urban residents with household registration in this city; (three) retirees who have been registered in this city before retirement and paid monthly pension insurance benefits by the municipal social insurance management institution (hereinafter referred to as the municipal social insurance institution); (four) retirees who have been registered in this city before retirement and participated in the overall planning of the original old-age insurance industry, and the social insurance institutions in Guangdong Province pay the old-age insurance benefits on a monthly basis; (5) Persons who registered in this Municipality before reaching the statutory retirement age and did not receive pension insurance benefits on a monthly basis; (six) after reaching the statutory retirement age, with the city's household registration, did not enjoy medical insurance in other parts of China; (7) Other persons who have the household registration in this city, 18 years of age or older, have not reached the statutory retirement age and do not enjoy the minimum living allowance; (8) Foreigners and Hong Kong, Macao and Taiwan personnel registered for employment in this Municipality; (nine) other personnel as prescribed by the municipal government. Upon application by the employing unit, employees who are not registered in this Municipality can participate in comprehensive medical insurance. Hospitalization medical insurance is applicable to the following personnel: mainly non-Shenzhen household registration personnel (1) and non-local household registration personnel; (two) by the municipal social insurance institutions to pay monthly pension insurance benefits of non registered retirees in this city; (3) Unemployed persons registered in this Municipality and receiving unemployment benefits; (4) Persons over the age of 18 who have registered in this city and enjoy the minimum living allowance; (five) other personnel as prescribed by the municipal government. Medical insurance for migrant workers is applicable to non-Shenzhen household registration personnel who have established labor relations with enterprises registered in Shenzhen. Children's medical insurance is applicable to all children registered in all kindergartens, primary schools, junior high schools, senior high schools, technical secondary schools, special schools, technical schools and vocational schools (excluding junior colleges) approved by the departments of education, health, civil affairs, labor and social security in Shenzhen, as well as children under the age of 18 registered in this city. The specific measures shall be formulated separately by the government. Maternity medical insurance is applicable to on-the-job insured persons with Shenzhen household registration in comprehensive medical insurance.