1. Medical insurance is social medical insurance, including basic medical insurance for urban workers, basic medical insurance for urban residents and new rural cooperative medical care. It is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs protection for workers within the scope of protection.
2. Employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premium in accordance with the national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
3. There are many types of medical insurance, so different clauses are set up for different groups of people. As long as the medical insurance is purchased, it can be reimbursed if it is sick, but the premise must meet the conditions. For individuals, medical insurance will be paid by themselves, while for employees, medical insurance will be paid by the employer.
4. On May 2, 217, it was reported that the Ministry of Human Resources and Social Security and the Ministry of Finance issued a notice requesting that in 217, the per capita subsidy standard for residents' medical insurance at all levels should be added to 3 yuan on the basis of 216, and the average per capita should reach 45 yuan every year. In 217, the per capita individual payment standard of medical insurance for urban and rural residents will be raised in 3 yuan on the basis of 216, and the average per capita will reach 48 yuan every year.
5, with the characteristics of "low level and wide coverage", the payment is based on the expenses that most units and individuals can afford at a low level, covering all units and employees in cities and towns, and employees of different units can enjoy the rights of basic medical insurance. The insured can enjoy it for life after completing the payment period. Secondly, the basic medical insurance has the characteristics of "burden on both sides and combination of unified accounts"; Based on the principle of "balance income and expenditure".