According to the "Guiding Opinions on Strengthening and Improving the Participation of Basic Medical Insurance", there are three main changes:

1, only one insured relationship is reserved: for those who participate in medical insurance repeatedly, the employment relationship is reserved in principle;

2.3 months 0 waiting period: in principle, medical insurance will be cut off for 3 months, and there will be a waiting period before that. There is no waiting period of more than 3 months, but there is a waiting period of 6 months for more than 3 months.

3. Clear the insurance policy: For example, after the newborn is born, the guardian will apply for medical insurance and participate in the protection within 90 days!

No, keep making money. There are two situations:

1. retirees: usually 3.7%-4% of the average salary of employees, and the money is for outpatient and hospitalization. Suppose the local average salary is 4,600 yuan, and there are 170.2- 184 yuan pharmacies to buy medicines and stay in hospital, which is very good for retirees.

2. On-the-job employee medical insurance: employees pay the basic medical insurance premium at 2% of their average salary in the previous year and transfer it to their personal accounts, which are divided into several grades, namely, employees under 35 years old, non-retired employees over 35-44 years old and non-retired employees over 45 years old, which are 1.3%, 1.5% and/kl of their contribution base respectively.

1.202 1 medical insurance reimbursement policy 1: include more outpatient expenses in medical insurance reimbursement.

On April 7th, an executive meeting was held in the State Council. The meeting decided to gradually include some outpatient expenses of chronic diseases, special diseases, frequently-occurring diseases and common diseases that are harmful to health and have a heavy cost burden into the payment scope of the overall fund. Within the scope of the policy, the payment ratio starts from 50% and is appropriately tilted towards retirees. In the future, with the strengthening of the fund's affordability, the level of protection will be gradually improved.

Therefore, bringing more outpatient expenses into medical insurance reimbursement will help to reduce the medical burden of the insured.

2.202 1 year medical insurance reimbursement policy 2. The unit payment is no longer included in the personal account.

The meeting decided to improve the personal account calculation and payment methods. Individual contributions of on-the-job employees are still included in my personal account, and all unit contributions are included in the overall fund; Individual accounts of retirees are allocated by the overall fund according to the quota, and the amount is gradually adjusted to about 2% of the average basic pension level in the year when the reform was implemented in the overall planning area.