The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.
The basic medical insurance is one of the most important types of insurance in the social insurance system. Together with the basic old-age insurance, industrial injury insurance, unemployment insurance and maternity insurance, it constitutes a modern social insurance system. During the "Thirteenth Five-Year Plan" period, China has built the largest social security system in the world, with basic medical insurance covering more than 654.38+300 million people.
At present, China has established the basic medical insurance system for urban workers, the new rural cooperative medical system and the basic medical insurance system for urban residents. Among them, the basic medical insurance for urban workers is paid by employers and individual workers in accordance with state regulations, and a medical insurance fund is established. After the insured person has medical expenses, the medical insurance agency should give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment. The new rural cooperative medical system and the basic medical insurance for urban residents shall be combined with individual contributions and government subsidies, and the treatment standards shall be implemented in accordance with state regulations.
legal ground
People's Republic of China (PRC) social insurance law
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.
The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.
The state supports social insurance through preferential tax policies.
Article 9 Trade unions shall safeguard the legitimate rights and interests of employees according to law, and have the right to participate in the research on major social insurance issues, participate in the social insurance supervision committee, and supervise matters related to employees' social insurance rights and interests.