The publicly funded medical care and labor insurance medical care established in our country in the early 1950s are collectively referred to as employee medical insurance.

It is an important part of the national social security system and one of the important projects of social insurance.

Medical insurance has the basic characteristics of social insurance such as compulsory, mutual aid, and social nature.

Therefore, the medical insurance system is usually legislated and enforced by the state, and a fund system is established. The fees are paid jointly by the employer and the individual, and the medical insurance premiums are paid by the medical insurance agency to solve the problems caused by workers' illness or injury.

medical risks.

Medical insurance is a kind of material assistance provided by the state or society when people become ill or injured, that is, a social security system that provides medical services or economic compensation.

my country's medical insurance has been implemented for more than 40 years and has played a positive role in protecting the health of employees and maintaining social stability.

However, with the establishment of the socialist market economic system and the continuous deepening of state and enterprise reforms, this system has been unable to solve the problem of basic medical security for employees under market economic conditions.

In December 1998, the State Council issued the "Decision of the State Council on Establishing a Basic Medical Insurance System for Urban Employees" (Guofa [1998] No. 44), deploying the comprehensive promotion of the reform of the employee medical insurance system nationwide and requiring that the basic medical insurance system be implemented nationwide within 1999.

Establish a basic medical insurance system for employees.

What is the basic medical insurance system?

The basic medical insurance system is an important part of the social security system. It is a social insurance system formulated by the government and participated by both employers and employees.

It determines everyone's basic medical security level based on the affordability of the employer and employees.

It is extensive, economical and mandatory.

What care will be given to retired employees after medical insurance?

In accordance with the State Council's "Decision on Establishing a Basic Medical Insurance System for Urban Employees", all urban employers, including enterprises, government agencies, institutions, social groups, private non-enterprise units and employees, must participate in basic medical insurance.

Basic medical insurance premiums are paid jointly by the employer and employee ***.

Social medical insurance should reflect mutual aid and economy. Retired employees are old and frail, and generally suffer from more diseases. They are vulnerable groups in need of social care.

Effectively solving their medical cost burden problem is a focus of this medical insurance reform.

Therefore, the State Council specifically stipulated some caring policies for retirees in the "Decision": First, it is clarified that retirees will not pay medical insurance premiums. This is a basic policy that must be conscientiously implemented by all regions and departments.

Secondly, considering that retirees have made contributions to society during their previous working periods, their income after retirement is low. Especially for employees who have retired now, they do not have enough accumulation for medical payments and have a heavy medical burden.

Therefore, in addition to stipulating that retired employees shall not pay individual medical insurance premiums, the "Decision" also stipulates that the proportion of employer contributions transferred to personal accounts must take into account age factors.

The older you are, the higher the proportion of unit contributions that are transferred into personal accounts, and the proportion of retirees who are transferred into personal accounts is higher than that of active employees.

In addition, the "Decision" further clarifies that appropriate care must be given to the proportion of retirees' personal medical expenses when paying from the pooled fund.

The provision that retirees do not pay basic medical insurance premiums is not only determined by the nature of social medical insurance, but also to balance the burden on enterprises and provide them with fair competition opportunities.

I think that after understanding the above situation, you will have a deeper understanding of the mutual aid and economic role of the medical insurance system.