The Notice on Doing a Good Job in the Basic Medical Security for Urban and Rural Residents in 20021year points out that the funding standard for medical insurance for urban and rural residents should be continuously improved: it is clear that the per capita financial subsidy standard for medical insurance for residents will be increased to 30 yuan, reaching the level of not less than 580 yuan per person per year. At the same time, raise the individual payment standard of residents' medical insurance in 40 yuan, and reach the 320 yuan per person per year.
Residents' medical insurance is a financing mechanism combining government subsidies and individual contributions. Compared with individual contributions, financial subsidies account for a large part of the financing structure of residents' medical insurance. While our individual contributions are increasing year by year, the state's subsidies for each insured person are also increasing year by year, such as: 450 yuan in 20 18, 490 yuan in 20 19, 520 yuan in 2020, and 550 yuan in 20021year (including: the central government subsidizes 440 yuan, the provincial subsidy is 97.6 yuan, and the city and county subsidies are 65,438. )
Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. Medical insurance shall be paid by employers and individuals, and a medical insurance fund shall be established. After the insured person has medical expenses, the medical insurance institution will give him economic compensation, so that the patient can get the necessary material help before the club closes down and reduce the burden of medical expenses.
Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give the rest some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.