Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
function
First, it is conducive to improving labor productivity and promoting the development of production.
Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal production of labor.
Second, an important guarantee for maintaining social stability.
Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions.
Third, an important means to promote social civilization and progress.
The social system of medical insurance and social mutual assistance reflects the new social relationship of "one party in trouble and all parties support" by sharing the risk of disease costs among the insured, which is conducive to promoting social civilization and progress.