For those who participate in the employee medical insurance (including hospitalization medical insurance) with their units, before December 31, 2004, the years of work that conform to the national regulations for calculating the continuous years of service are regarded as the years of urban workers' medical insurance contributions; between March 1, 1993 and December 31, 2004, the years of actual contributions with the employer to participate in the city's basic urban workers' pension insurance are regarded as the years of urban workers' medical insurance contributions. The city's urban workers' medical insurance contribution period.
At the same time, for those who participate in the employee medical insurance in their personal capacity, before December 31, 2003, the years of work in line with the national regulations for calculating the number of consecutive years of service shall be regarded as the number of years of urban workers' medical insurance contributions; between March 1, 1993 and December 31, 2003, the actual number of years of contribution with the employer to participate in the city's urban workers' basic pension insurance shall be regarded as the number of years of urban workers' medical insurance contributions. medical insurance contribution period.
Medicare refers to social medical insurance. Social medical insurance is a social insurance system set up by the state and society in accordance with certain laws and regulations to provide protection to workers within the scope of coverage for basic medical needs in the event of illness. The basic medical insurance fund consists of a general fund and individual accounts.
Medical insurance is an insurance product that provides protection for medical expenses, and its main functions are as follows:
1. Reducing financial burden: When medical treatment is required due to illness or accident, medical insurance can help pay for part or all of the medical expenses, thus reducing the financial burden.
2. Improve accessibility of treatment: Health insurance can provide patients with more treatment options, including public hospitals, private hospitals and clinics, etc., and enable them to obtain better medical services.
3. Preventing overmedication: Health insurance can prevent overmedication and unnecessary checkups by setting annual budgets and cost limits, thus reducing medical costs.
4. Encourage preventive medical care: Health insurance can incentivize people to pay more attention to their health and take regular medical checkups and other preventive measures, thus reducing the risk of illness.
5. Protecting family financial stability: If one is the breadwinner of a family, health insurance can help to continue working when one is sick, avoiding debt and family financial crises caused by medical expenses.
6. Compliance with public ****health policies: health insurance companies usually develop insurance plans based on government guidelines and policies, which makes health insurance an effective tool for compliance with public ****health policies.
In summary, the main role of medical insurance is to help individuals and families cope with the financial pressures of illness and accidents, to improve the accessibility and quality of healthcare services, and to maintain the financial stability of the family by providing coverage for medical expenses.
Legal basis:
The Social Insurance Law of the People's Republic of China
Article 87
Where a social insurance agency, as well as a medical institution, a pharmaceutical business unit, or other social insurance service organization, obtains expenditure from the social insurance fund by fraud, falsification of certificates, or any other means, the administrative department of social insurance shall order the return of the fraudulently obtained Social insurance premiums, impose a fine of more than two times the fraudulent amount of five times the following; belonging to the social insurance service organizations, the termination of the service agreement; directly responsible for the competent personnel and other directly responsible personnel have a license to practice, shall be revoked in accordance with the law.