Medical insurance refers to the national legislation, in accordance with the principle of compulsory social insurance basic medical insurance premiums should be paid by the employer and the individual employee on time and in full. If you don't pay in full and on time, your personal account will not be counted and the basic medical insurance fund will not pay for your medical expenses. In Beijing, for example, the proportion of medical insurance contributions: the employer pays 10% of the total contribution base each month, and the employee pays 2% of his salary + 120 dollars for the general medical insurance.
Medical insurance is a kind of insurance to compensate for the medical expenses caused by diseases. Employees due to illness, injury, maternity, social or corporate social insurance to provide the necessary medical services or material assistance. Such as China's public medical care and labor insurance medical care. The medical expenses of Chinese employees are borne by the state, the organization and the individual*** together, in order to reduce the burden on enterprises and avoid wastage. Occurrence of insurance liability accidents need to carry out treatment is a proportional payment of insurance premiums.
In November 2019, the National Health Insurance Bureau launched the national health insurance e-voucher system, first piloted in some cities in Hebei, Jilin, Heilongjiang, Shanghai, Fujian, Shandong and Guangdong.
In 2020, the number of China's national basic medical insurance participants will be 1,361.31 million, with the participation rate stabilizing at more than 95 percent.
The medical insurance card refers to the social medical insurance card, which is a special card for medical insurance personal account. It takes the personal ID card as the identification code, and stores and records the personal ID card number, name, gender, and detailed information such as the allocation of the account money and the consumption situation.
Medicare cards are generally organized by local designated agent banks and are a type of multi-functional debit card. After the insured unit pays its contribution, the local health insurance business department will entrust the bank to disburse the portion of the individual account fund to the insured employee's personal health insurance card at the end of the month. The insured employee can use the card in the designated hospitals, pharmacies, medicine purchase, with the password in the POS machine swipe card use medical insurance card, but can not withdraw cash or transfer the use of.