Legal analysis: the establishment of the basic medical insurance system for urban residents is related to social harmony and stability. Social security, including basic medical insurance, has always been called the "safety net" of ordinary people and the "stabilizer" of social operation. With the gradual solution of the basic medical security for urban workers and rural residents, the most prominent contradiction now is the non-employed urban residents, including primary and secondary school students. These people mainly rely on their families to provide medical expenses. If there is no institutional guarantee, once they are seriously ill, they are often unbearable and even poor due to illness. The establishment of the basic medical insurance system for urban residents will help to fundamentally solve the problem of medical expenses for urban residents, truly realize the goal of everyone enjoying basic medical insurance and promote social harmony and stability.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.