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Medical insurance:
Medical insurance refers to the national legislation, in accordance with the principle of mandatory 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.
Medical insurance is insurance that provides coverage for medical expenses incurred during the period when the insured person receives medical treatment, with the occurrence of the medical act agreed in the insurance contract as the condition for paying the insurance benefit.
Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid and social. 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 are 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 illness 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 covers a wide range of liabilities, 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 fees, and various examination fees.
Medical expenses are the costs incurred by the patient for treatment, which include 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.