Legal subjectivity: Everyone knows that medical insurance has the concept of medical insurance payment ratio. Generally speaking, when paying for medical insurance, the payment ratio of medical insurance must be determined in accordance with relevant regulations.
1. How much is the personal medical insurance payment ratio? Personal payment ratio: The monthly payment base is based on the person's average monthly salary income in the previous year, and the payment is 2%, which will be withheld and paid by the unit from his salary on a monthly basis.
Unit payment ratio: The payment ratio varies slightly from place to place, generally ranging from 6% to 9%.
2. What are the characteristics of my country’s medical insurance system? 1. The non-market nature of medical resource allocation.
The allocation of scarce resources by modern enterprises mainly involves planning methods, market methods, and the combination of planning and market methods in between.
As a basic social and economic system, the medical insurance system is a product of the development of the times, reflects the social relations and productivity development level of a certain historical stage, and is closely linked to the social, political and economic development policy orientation of a certain period.
my country's medical insurance system originated during the New Democracy period and developed rapidly during the socialist period characterized by a planned economy, which highlighted the public ownership nature of the medical economy.
The state uses planning means to carry out highly centralized management of medical resources, and uses a single administrative means to implement unified plans for the production, exchange, distribution, consumption and other aspects of medical resources. The medical economic ownership, management rights and use rights are integrated as a whole, and the medical treatment
The allocation of health resources and consumption behavior are responsible. In fact, no one is responsible. The consumption of medical and health resources lacks necessary constraints.
It not only formed a deformed medicine and medical and health system, but also led to irrational medical consumption, resulting in egalitarianism and big pot rice in the field of medical distribution, resulting in a huge waste of resources.
2. Egalitarianism in the same system and differences in different systems.
my country's medical insurance has a unique segment structure, which is represented by universal health care, publicly funded medical care, labor insurance medical care, and cooperative medical care.
In addition to universal health care, publicly funded medical care covers government agencies and institutions, labor insurance medical care covers urban employees and their families and children, and cooperative medical care covers rural residents.
The medical insurance system is divided into public medical system, labor insurance medical system and rural cooperative medical system according to the different status of units and residents.
Due to their different sources of funds, different recipients of benefits, and different scopes, this system is bound to have many problems: First, it strengthens the identity boundaries of employees or residents, hindering the optimal allocation of human resources and the reasonable flow of talents;
Secondly, as far as the medical insurance sub-systems are concerned, egalitarianism is very serious and the waste is staggering; thirdly, among the various medical insurance sub-systems, the level of health care is very different due to the treatment based on occupation or status.
3. Dual structure of medical insurance.
The medical insurance system determines different funding source channels according to the characteristics of each sub-system.
All public medical care is covered by the state finance. Except for the registration fee, all expenses for employees' medical treatment are borne by the finance, and individuals do not need to pay.
Labor insurance and medical care are withdrawn by the enterprise, spent in welfare expenses, and managed by the enterprise itself. In fact, it is enterprise insurance.
Rural cooperative medical expenses are jointly borne by collectives and individuals, which has great limitations.
It is precisely because of this medical insurance fund management method that our country's medical insurance system is roughly divided into two sub-systems: urban employee medical insurance and rural residents' cooperative medical care. This system is exactly consistent with our country's dual economic structure and reflects our country's dual economic structure.
Characteristics of urban and rural social structure and level of economic development.
3. What are the problems in the medical insurance system? 1. "Supporting medicine with medicine" is the core issue facing my country's current medical reform. 2. The fairness and diversity of medical insurance policies need to be improved. 3. The medical insurance policy management system is not sound enough. 4. Medical insurance The controllability of fund risks needs to be strengthened. 5. The distribution of medical insurance resources is unreasonable, and the cost burden is uneven.
6. Medical expenses have skyrocketed, and the “free ride” phenomenon is serious.
Legal objectivity: Article 23 of the "Social Insurance Law of the People's Republic of China" states that employees shall participate in employee basic medical insurance, and the employer and employees shall jointly pay the basic medical insurance premiums in accordance with national regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other people with flexible employment can participate in the basic medical insurance for employees, and individuals must pay the basic medical insurance premiums in accordance with national regulations.