The types of medical insurance are as follows:

1. Basic medical insurance for urban workers

The basic medical insurance for urban workers is based on the basic medical insurance premiums paid by the employer and the employees in accordance with national regulations, and a medical insurance fund is established. After the insured person suffers from medical expenses, the medical insurance agency will give him some economic compensation to avoid or reduce the economic risks caused by illness and treatment.

2. New rural cooperative medical care

The new rural cooperative medical care and the basic medical insurance for urban residents are combined with individual contributions and government subsidies, and the treatment standards are implemented in accordance with state regulations. In addition, the types of medical insurance in China also include commercial medical insurance, subsidized medical insurance, expense medical insurance and public medical care.

3. Basic medical insurance for urban residents

The basic medical insurance system for urban residents (referred to as residents' medical insurance) is aimed at students in primary and secondary schools (including vocational high schools and technical secondary schools) that are not covered by the basic medical insurance system for urban employees.

Extended information:

Medical insurance refers to social medical insurance. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs protection for workers within the scope of protection.

the basic medical insurance fund is composed of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account and the other part is used to establish the overall fund.

composition of social overall medical insurance: the payment base is m: employee's wage income+allowance. The unit pays 8% m every year; Individual employees pay 2%M every year. The details are as follows:

1. The unit pays 8% m: 6.6% m to 7%M into the overall account (1%M to 1.4%M into the personal account)-hospitalization expenses.

2. 2% of individual contribution salary m:? 2%M into personal account (plus 1%M to 1.4% m paid by the unit)-outpatient expenses.

note: hospitalization expenses are reimbursed from the overall account, and the amount is the same for everyone; Outpatient expenses are deducted from personal account (i.e. medical insurance card), which is different for each person.

On May 2, 217, it was reported that the Ministry of Human Resources and Social Security and the Ministry of Finance issued a notice requesting that in 217, the per capita subsidy standard of residents' medical insurance at all levels should be added to 3 yuan on the basis of 216, and the average per capita should reach 45 yuan every year. In 217, the per capita individual payment standard of medical insurance for urban and rural residents will be raised in 3 yuan on the basis of 216, and the average per capita will reach 18 yuan every year.

Baidu encyclopedia _ medical insurance