medical insurance includes commercial medical care and social medical care.

Social medical insurance is divided into basic medical insurance for employees, new rural cooperative medical insurance, medical insurance for urban residents, etc. Commercial medical insurance includes accidental injury medical insurance, hospitalization medical insurance, surgical medical insurance and disease insurance.

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. The medical insurance fund is established through the payment of employers and individuals. After the insured person suffers from medical expenses, the medical insurance institution will give him some economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of units and social members, and with the government's funding, the sick social members can get the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick social members from "poverty due to illness".

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. Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should pay the basic medical insurance premiums in accordance with the provisions of the state.

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 can participate in the basic medical insurance for employees, and individuals will pay the basic medical insurance premium according to 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. Thirty-first social insurance agencies can sign service agreements with medical institutions and pharmaceutical business units to regulate medical service behavior according to the needs of management services.

medical institutions should provide reasonable and necessary medical services for the insured.