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Chongqing started to implement medical insurance in 1999.
In December 1998, the State Council issued the Decision of the State Council on the Establishment of a Basic Medical Insurance System for Urban Workers (Guo Fa [1998] No. 44), deploying a nationwide comprehensive reform of the workers' medical insurance system, and requesting that a basic medical insurance system for workers be established nationwide within 1999.
Medical insurance refers to the insurance contract agreed upon the occurrence of medical behavior as a condition for the payment of insurance benefits, for the insured to receive treatment during the period of medical expenses to provide protection [1].
Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid, social and so on. Therefore, the medical insurance system is usually legislated by the state, mandatory implementation, the establishment of a fund system, the cost of the employer and the individual **** the same payment, medical insurance premiums paid by the medical insurance organization, in order to solve the workers due to illness or injury brought about by the medical risk.
Medical insurance, like other types of insurance, also collects medical insurance premiums in advance from people threatened by illnesses by means of a contract to set up a medical insurance fund; when the insured person falls ill and goes to a medical institution and incurs medical expenses, he or she is given a certain amount of financial compensation by the medical insurance organization.
Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the individual's economic losses caused by the risk of disease are distributed to all members of the same risk threatened by the centralized health insurance fund to compensate for the economic losses caused by the disease.
Medical insurance has a wide range of responsibilities, 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 expenses are the costs incurred by the patient for treatment, which includes not only the doctor's medical and surgical fees, but also the costs of hospitalization, nursing care, hospital equipment, etc.
Medical expenses are the costs incurred by the patient for treatment.