The reasons for the annual price increase of medical insurance are as follows: 1. With the economic development, personal wage income has increased, and the corresponding medical insurance will also increase accordingly. 2. The scope of medical insurance has been expanded, the number of drugs insured 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 expenses. Although the amount of personal contributions has increased, the amount of state subsidies has also increased.
because the medical insurance policy is different every year, the cost needs to be increased according to the policy, and the cost will also increase every year. The advantage for us is that more and more drugs can be reimbursed by medical insurance, and the proportion of reimbursement is getting higher and higher. Although the medical insurance cost has increased, the content that can be reimbursed has also increased. Some drugs were not reimbursed before, but now they are reimbursed. With the increase of reimbursement ratio and drugs, the medical insurance cost has also increased. Another reason is that more and more people can participate in medical insurance now, which can not only enjoy the welfare benefits of medical insurance, but also do not have to pay premiums for some poor people or some low-income users, and their reimbursement rate is still relatively high, which also makes the cost of medical insurance keep rising. At that time, the benefits of medical insurance in all aspects are getting better and better. Although the corresponding premiums will rise, the benefits that can be brought to us are also increasing. At the same time, the reimbursement ratio of insurance will increase accordingly, so it is good for us in general. Nowadays, people's economic level is also rising, both in terms of prices and people's income. Therefore, in order to keep up with the development of society and strengthen the treatment level of residents' medical insurance, the cost of medical insurance will also increase relatively. Medical insurance is also very good for some poor users, which can provide them with more benefits without paying the corresponding premium, which is also a kind of care for them. Medical insurance can bring a lot of convenience to our life. When we encounter all kinds of unexpected situations, our consumption in the hospital can be reimbursed through medical insurance, and the reimbursement ratio is also very good. In most cases, we can reimburse a lot of expenses. There are also various medical insurance products on the market. When we choose medical insurance products, we try to choose formal and legal large companies and their insurance products. In this way, our follow-up service can have a better guarantee. When we encounter all kinds of problems and unexpected situations, we can appeal and settle claims with the corresponding insurance company, which can reduce our economic burden.
Legal Basis
Social Insurance Law of the People's Republic of China
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, work injury insurance, unemployment insurance and maternity insurance to protect citizens' rights to receive material assistance from the state and society in case of old age, illness, work injury, unemployment and maternity.
article 23 employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premiums in accordance with the state regulations.
individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employing unit and other flexible employees may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premium in accordance with state regulations
Article 25 The state establishes and improves the basic medical insurance system for urban residents.
the basic medical insurance for urban residents combines individual contributions with government subsidies.
people who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people over 6 years old and minors from low-income families, etc. will be subsidized by the government.