Medical insurance originated in western Europe and can be traced back to the Middle Ages. With the success of the bourgeois revolution, family workshops were replaced by large industries, and modern industrial teams emerged. Due to the harsh working environment, epidemics and industrial accidents, workers need corresponding medical care. But their wages are low, and it is difficult for individuals to pay medical expenses. Therefore, workers in many places spontaneously organized themselves to raise some money for expenses when they were sick. But this form is not very stable, and the scope is small, and the ability to resist risks is very low. /kloc-at the end of 0/8 and the beginning of 09, private insurance developed in western Europe and became an important way for the country to raise medical funds. Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. Therefore, the medical insurance system is usually enforced by national legislation and a fund system is established. The expenses are paid jointly by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risks caused by the illness or injury of the employees.
Legal basis:
People's Republic of China (PRC) Basic Medical Care and Health Promotion Law
Article 5 Citizens have the right to obtain basic medical and health services provided by the state and society according to law. The state establishes a basic medical and health system, establishes and improves a medical and health service system, and guarantees and realizes citizens' right to obtain basic medical and health services.
Article 15 Basic medical and health services refer to services such as disease prevention, diagnosis, treatment, nursing and rehabilitation that are necessary for maintaining human health, are compatible with the level of economic and social development, are accessible to citizens, and are provided through appropriate drugs, technologies and equipment. Basic medical and health services include basic public health services and basic medical services. The state provides basic public health services free of charge.
Article 16 The state shall take measures to ensure that citizens enjoy safe and effective basic public health services, control risk factors affecting health and improve the level of disease prevention and control. The national basic public health service items shall be determined by the health department of the State Council in conjunction with the finance department and the traditional Chinese medicine department of the State Council. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, on the basis of the national basic public health services, supplement and determine the basic public health services in their respective administrative regions, and report them to the health authorities in the State Council for the record.