Medical insurance for urban residents includes:
1. Objects of insurance: Medical insurance for urban residents is a medical insurance system that mainly covers urban minors and unemployed residents who do not participate in the medical insurance for urban workers. The main thing is to make institutional arrangements for the medical insurance of urban non-working residents.
Students in primary and secondary schools (including vocational high schools, junior colleges, and technical schools), children and teenagers, and other non-working urban residents who are not covered by the basic medical insurance system for urban workers may voluntarily participate in the basic medical insurance for urban residents.
2. The scope of medical insurance is very broad, and medical expenses are generally differentiated according to the characteristics of their medical services, which mainly include doctors' outpatient fees, medication, hospitalization, nursing care, miscellaneous hospital expenses, surgical costs, and various examination costs. Medical cost is the patient to cure the various costs incurred, it not only includes the doctor's medical and surgical fees, but also includes hospitalization, nursing, hospital equipment and other costs.
3. Contribution subsidies: the basic medical insurance for urban residents is based on family contributions, and the government gives appropriate subsidies. The insured residents pay the basic medical insurance premiums according to the regulations, and enjoy the corresponding medical insurance treatment, and the conditional employers can give subsidies to the employees' family members to participate in the insurance premiums. The state to individual contributions and unit subsidies to develop tax incentives.
4, the state financial support: the pilot city of the insured residents, the government subsidies at no less than 40 yuan per capita per year, of which the central government from 2007 onwards through a special transfer payments each year, the central and western regions of the subsidies at 20 yuan per capita.
On this basis, for students and children who belong to the low-income objects or are severely disabled to participate in the insurance required family contribution, the government, in principle, at no less than 10 yuan per capita each year to give subsidies, of which the central government of the central financial to the central and western regions of the per capita subsidies of 5 yuan; other low-income objects, loss of the ability to work for the severely disabled, the low-income families of elderly people aged 60 years or older, and other residents in difficulty Participation in the required family contribution part of the government annual subsidies of not less than 60 yuan per capita, of which the central government of the central and western regions of 30 yuan per capita to give subsidies.