"30 yuan" is not a large amount on its own, but it is a real investment by the state in residents' medical insurance and can bring tangible improvements to the lives of many people.
Basic medical insurance is the most basic guarantee to protect people from medical risks. The most important purpose of medical insurance is mutual aid and economic development. Healthy people help sick people, which is a huge welfare for the people. .
my country’s resident insurance implements a financing mechanism of individual contributions plus government subsidies. Financial subsidies account for a large part. Individuals actually only need to pay a smaller proportion to enjoy medical insurance.
In recent years, my country’s basic medical insurance system has been continuously improved, and subsidies for resident insurance have increased year by year.
In 2018, financial subsidies and individual payment standards for medical insurance for urban and rural residents will be increased simultaneously. The per capita financial subsidy standard at all levels will be increased by 40 yuan based on 2017, reaching no less than 490 yuan per person per year.
In 2019, the per capita financial subsidy standard for my country’s resident medical insurance will be increased by 30 yuan, reaching no less than 520 yuan per person per year.
In 2020, the per capita financial subsidy standard for my country’s resident medical insurance will be increased by 30 yuan, reaching no less than 550 yuan per person per year.
On March 2, the State Council announced the implementation of the quantitative indicator tasks in the 2020 "Government Work Report". In the field of social security, the per capita financial subsidy standard for resident medical insurance has been increased by 30 yuan, indicating that the task has been completed. As of the end of December 2020, the per capita subsidy level in various regions has reached or exceeded the national standard, achieving no less than 550 yuan per person per year.
After participating in medical insurance, what kind of reimbursement benefits can the insured enjoy?
Looking at the overall situation across the country, in terms of hospitalization insurance, the reimbursement ratios for hospitalization expenses within the scope of employee medical insurance and resident medical insurance policies have reached about 80% and 70% respectively, and the annual maximum payment limit of the unified fund has reached the average annual salary of local employees respectively. Or about 6 times the annual per capita disposable income of residents. In terms of outpatient protection, employee medical insurance and resident medical insurance generally provide outpatient chronic disease (special disease) protection, and resident medical insurance also generally provides outpatient cost coordination.
The "Medical Security Blue Book: China Medical Security Development Report (2020)" shows that in recent years, the coverage of medical insurance has gradually extended from major inpatient illnesses to minor outpatient illnesses, including hypertension, diabetes, kidney dialysis, etc. Some chronic diseases and special diseases with high medical costs are included in the payment scope of the medical insurance fund.
With the official launch of the latest version of the medical insurance catalog on March 1 this year, the number of drugs that can be reimbursed by medical insurance has reached the highest level in history. The implementation of these safeguard measures requires financial guarantees. Increasing the subsidy standard for resident medical insurance can further narrow the gap between the two medical insurance systems and meet the medical needs of people in need.
A multi-level medical security system that covers the entire population, provides appropriate protection, and is sustainable is the Chinese characteristic of our country’s medical insurance system. At present, our country has established the world's largest basic medical security network. Basic medical insurance covers more than 1.36 billion people. The insurance participation rate is stable at above 95%, and the insurance participation rate among the poor is stable at above 99.9%.
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