Because Changchun medical premiums have been adjusted to improve residents' medical protection, the cost has also increased. The 370 yuan includes 10 yuan of nursing insurance.
By the way, the individual payment standard for students, children, and urban and rural residents under the age of 18 (born after 24:00 on December 31, 2003) is 230 yuan (including care insurance).
The insurance subsidy payment standard is 10 yuan for urban and rural extremely poor people (including care insurance); individual contributions for urban and rural subsistence allowance recipients, people who have returned to poverty, and adults who have been lifted out of poverty and are unstable and included in the monitoring scope of rural low-income populations by relevant departments.
240 yuan (including care insurance), minors pay 100 yuan (including care insurance).
1. China’s basic medical insurance system implements a model that combines social pooling and personal accounts.
In principle, basic medical insurance funds are coordinated at the prefectural and municipal levels.
Basic medical insurance covers all urban employers and their employees; all enterprises, state administrative agencies, institutions and other units and their employees must fulfill their obligation to pay basic medical insurance premiums.
At present, the employer's contribution ratio is about 6% of the total salary, and the individual contribution ratio is 2% of his or her salary.
Part of the basic medical insurance premiums paid by the unit is used to establish a unified fund, and part is transferred to the personal account; the basic medical insurance premiums paid by individuals are included in the personal account.
The overall pool fund and individual accounts bear different responsibilities for medical expense payment respectively.
The overall fund is mainly used to pay for hospitalization and outpatient treatment of some chronic diseases. The overall fund has a minimum payment standard and a maximum payment limit; the personal account is mainly used to pay general outpatient expenses.
2. In order to ensure that insured employees enjoy basic medical services and effectively control the excessive growth of medical expenses, the Chinese government has strengthened the management of medical services, formulated a basic medical insurance drug catalog, diagnosis and treatment items and medical service facility standards, and provided
Medical institutions and pharmacies providing basic medical insurance services shall be qualified and allow insured employees to make choices.
In order to cooperate with the reform of the basic medical insurance system, the state also promotes the reform of medical institutions and the pharmaceutical production and distribution system.
By establishing a competition mechanism between medical institutions and a market operation mechanism for drug production and circulation, we strive to achieve the goal of "providing relatively high-quality medical services at relatively low costs."
In addition to basic medical insurance, various regions have generally established mutual aid systems for large medical expenses to cover medical expenses above the maximum payment limit of social pooling funds.
The state has established a medical subsidy system for civil servants.
Qualified enterprises can establish corporate supplementary medical insurance for their employees.
The country will also gradually establish a social medical assistance system to provide basic medical security for the poor.