Medical insurance reimbursements and refunds are usually directly credited to the personal medical insurance card account, and you can just check it directly.
1. Medical insurance reimbursement and refunds will be refunded to personal accounts. "Social Insurance Law of the People's Republic of China" Article 2 The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens
The right to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, work injury, unemployment, childbirth, etc.
Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.
There are several types of medical insurance: 1. Social medical insurance; 2. Hospitalization insurance; 3. Surgery medical insurance; 4. Major disease medical insurance.
For specific information, please consult the Social Security Bureau.
2. If the medical reimbursement fee is paid by the unit for medical insurance, that is, the unit and the individual pay the premiums simultaneously. In this way, the unit pays part and the individual pays part. The payment is based on a certain proportion based on the individual's average monthly salary income in the previous year.
For the individual part, 8% of the individual's average monthly salary in the previous year will be paid for pension insurance, 2% for medical insurance, and 0.5-1% for unemployment insurance.
The types of medical insurance include: 1. Commercial medical insurance, 2. Subsidy-based medical insurance, 3. Cost-based medical insurance, and 4. Social medical insurance.
: Relevant ministries and commissions are planning to adjust the retiree medical insurance payment policy. "Economic Information News" reporter learned that the Ministry of Human Resources and Social Security and other relevant ministries and commissions are exploring and studying the implementation of employee retiree medical insurance payment and insurance policies, while improving the stable and sustainable financing and reimbursement ratio of medical insurance.
Adjustment mechanism.
1. Medical reform: Judging from the current situation, this reform direction faces great obstacles, and standardizing the existing minimum payment period has become a more realistic reform direction.
According to current regulations, retirees participate in the urban employee basic medical insurance, and individuals do not pay basic medical insurance premiums.
The original intention of the system is that social medical insurance should reflect mutual aid and economy.
Retired employees generally have more illnesses, and their low income after retirement means a heavier medical burden. Considering that retirees have made contributions to society during their previous working periods, they do not need to pay contributions.
This design can also balance the burden on enterprises and provide them with opportunities for fair competition.
2. Under the influence of fund pressure caused by the aging population and rising medical costs, policies may face adjustments.
One-click to copy the full text "Among the people insured by basic medical insurance, the phenomenon that the number of people enjoying benefits is relatively increasing while the number of paying people is relatively decreasing is called the 'system aging' phenomenon." He Wenjiong, director of the Insurance Research Institute of Zhejiang University, said that my country's population Medical expenses are increasing rapidly due to aging.
3. Physiotherapy insurance. The aging of my country’s population has led to a rapid increase in medical expenditures. The young population is showing a downward trend and fewer contributors to the medical insurance fund will result in a significant decrease in the inflow of the entire capital pool and a significant increase in expenditures. To this end, to meet the medical and health needs of retirees, Standardizing the existing minimum payment period has become a more realistic reform direction.
A reporter from the Economic Information Daily learned that the Ministry of Human Resources and Social Security and other relevant ministries and commissions are exploring and studying the implementation of the policy of medical insurance premiums for employee retirees, and at the same time improving the stable and sustainable financing and reimbursement ratio adjustment mechanism for medical insurance.
Some experts believe that judging from the current situation, this reform direction faces major obstacles, and standardizing the existing minimum payment period has become a more realistic reform direction.