1. With the economic development, personal wage income increases, and the corresponding medical insurance will also increase accordingly.
2. The scope of medical insurance has expanded, and the number of insured drugs has gradually increased, and medical insurance will also rise.
3. To improve the level of medical security, it is necessary to have enough medical insurance fund expenditure. Although individual contributions have increased, the amount of state subsidies has also increased.
Medical insurance refers to social medical insurance. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account, and the other part is used to establish the overall fund.
Where did the money paid by residents' medical insurance individuals go?
The medical expenses incurred by residents' medical insurance participants are mainly guaranteed by the medical insurance fund, which is mainly composed of individual contributions and state financial subsidies. After collecting the medical insurance paid by everyone, put it in a place called the medical insurance fund pool. According to Article 21 of the National Regulations on the Supervision and Administration of the Use of Medical Insurance Funds, the medical insurance funds shall be used exclusively, and no organization or individual may occupy or misappropriate them. So you don't have to worry, once you enter the medical insurance fund pool, the only purpose is to protect the outpatient and inpatient medical expenses of residents' medical insurance participants.
Why did I pay the insurance and some expenses were not reimbursed?
Whether it is employee medical insurance or resident medical insurance, the funds raised are limited and it is impossible to cover all medical needs. Limited funds can only be used to "protect key points" on the cutting edge, rather than "equalitarianism" of spreading pepper noodles. At present, the scope of medical insurance reimbursement is mainly based on the "three catalogues" stipulated by the state, namely "the catalogue of medical insurance drugs, the catalogue of diagnosis and treatment items and the catalogue of medical service facilities". Medical insurance will not pay more than three categories of expenses, such as health care consumption and items that should be paid by the industrial injury insurance fund.
legal ground
People's Republic of China (PRC) social insurance law
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity. Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development. Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.
Interim Measures for Special Additional Deduction of Personal Income Tax Article 11 In a tax year, the medical expenses incurred by taxpayers related to basic medical insurance, after deducting the medical insurance reimbursement, the part that the personal burden (referring to the self-paid part within the scope of medical insurance catalogue) exceeds 15000 yuan, shall be deducted within the limit of 80000 yuan when the taxpayer handles the annual final settlement.
Thirteenth taxpayers should keep the original (or copy) of the bills related to medical service charges and medical insurance reimbursement for future reference. The medical security department shall provide patients with the information inquiry service of their annual medical expenses recorded by the medical security information system.