What kind of medical insurance includes is closely related to our daily work or life. So, you can't just hear about it, but you don't know how. The following small series has compiled some related contents to share with you. Welcome to read, I hope it will help you. 1. Type 1. Basic medical insurance for urban workers: The basic medical insurance for urban workers shall be paid by employers and individual workers in accordance with state regulations, and a medical insurance fund shall be established. After the insured person has medical expenses, the medical insurance agency should give certain 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 shall be combined with individual contributions and government subsidies, and the treatment standards shall be implemented in accordance with state regulations. In addition, the types of medical insurance in China also include commercial medical insurance, subsidized medical insurance, fee 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 primary and secondary school students who are not covered by the basic medical insurance system for urban workers. Second, expanding the role of data payment for medical insurance: 1, which is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves workers' worries, makes them work with peace of mind, and can improve labor productivity and promote the development of production. 2. It is to adjust the income gap and reflect social equity. Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees. 3. It is an important guarantee for maintaining social stability. Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions. It is an important means to promote social civilization and progress. The social system of medical insurance and social mutual assistance embodies a new social relationship of "one party is in trouble and all parties support" by the insured sharing the risk of disease costs, which is conducive to promoting social civilization and progress. Well, the above data are the answers collected by Bian Xiao about what kinds of medical insurance includes. I believe that everyone who has carefully read this article must have a clearer and deeper understanding of what kinds of medical insurance includes. If you have any other questions, please feel free to consult online. There are professional lawyers at your service.

Legal objectivity:

The scope of application of the basic medical insurance for urban workers in Shanghai includes: the units of the central government and other provinces and cities in Shanghai as stipulated by the state and this Municipality, and the employees involved are divided into three types, as follows: Detailed Rules for the Implementation of the Measures for Basic Medical Insurance for Urban Workers in Shanghai In order to ensure the implementation of the medical insurance system in this Municipality, these rules are formulated in accordance with the Measures for Basic Medical Insurance for Urban Workers in Shanghai (hereinafter referred to as the Measures for Medical Insurance). I. Scope of Application (1) The employing units mentioned in the Measures for Medical Insurance include the units of the central government and other provinces and cities in Shanghai as stipulated by the state and this Municipality. (2) The employee medical insurance mentioned in the Measures includes: 1. Employees who have gone through retirement and resignation procedures in accordance with the provisions of the state and this Municipality; 2, by the long-term pension in rural second-class disabled revolutionary servicemen above B; Disabled revolutionary soldiers in Invalides; Persons who receive pensions from civil affairs departments after retirement; Retirees who work in the army but have no military status; The troops retired and returned to Shanghai to resettle personnel. 3. Employers' employees do not include land-expropriated old-age care workers, old-age care workers returning to their hometowns, foreigners, Hong Kong, Macao and Taiwan personnel. Two. Medical insurance registration (1) The specific measures for the employer to handle the registration, change or cancellation of medical insurance shall be formulated by the Municipal Medical Insurance Bureau in conjunction with the Municipal Social Insurance Fund Settlement Management Center according to the requirements of the medical insurance measures and medical insurance business management. (two) the employer shall go through the formalities of registration, alteration and cancellation of medical insurance at the district and county social insurance agencies that handle the basic old-age insurance procedures. When handling medical insurance registration procedures, the settlement households participating in medical insurance shall be consistent with those participating in basic old-age insurance. (three) the district and county social insurance agencies shall inform the municipal medical insurance affairs management center (hereinafter referred to as the municipal medical insurance center) of the registration, change and cancellation procedures of the employer. (IV) Before the implementation of the Measures for Medical Insurance, employers who have participated in the hospitalization medical insurance for employees of urban enterprises, some outpatient and emergency medical insurance, outpatient and emergency medical insurance for retirees and public medical care in this Municipality do not need to re-register when the Measures for Medical Insurance are implemented, and their medical insurance relationship is automatically established. Three. Pay medical insurance premiums and enjoy medical insurance benefits (1) The employer shall pay the basic medical insurance premium and local supplementary medical insurance premium (hereinafter referred to as medical insurance premium) to the district and county social insurance agencies within the prescribed time limit every month, and the payment base and payment year are consistent with the basic old-age insurance. (II) Employees can enjoy medical insurance benefits (hereinafter referred to as medical insurance benefits) as stipulated in the Measures for Medical Insurance from the month following the payment of medical insurance premiums, such as medical expenses paid by the basic medical insurance pooling fund (hereinafter referred to as pooling fund) and local supplementary medical insurance funds (hereinafter referred to as supplementary funds), and use personal medical account funds after receiving medical insurance vouchers. (3) If the employing units and employees who should pay medical insurance premiums fail to pay or pay in full, the employees will stop enjoying medical insurance benefits from the next month. The following month when the employer and the employee pay the medical insurance premium in full, the employee shall resume the medical insurance benefits, and the medical expenses incurred during the period of stopping treatment shall be borne by the employer. Four. Calculation of the payment period of medical insurance The payment period of medical insurance mentioned in the Measures for Medical Insurance includes the actual payment period of medical insurance and the deemed payment period, and the calculation method is as follows: (1) The actual payment period is the actual payment period of medical insurance premiums paid by employees since the implementation of the Measures for Medical Insurance. (2) It is regarded as the continuous length of service before the end of the payment period 1992 and the individual pays the basic old-age insurance premium from 1993 to 0 months before the implementation of the Medical Insurance Measures. V. Employee's medical insurance certificate (1) Employee's medical insurance certificate is issued to employees by the district and county medical insurance office where the employer is located (hereinafter referred to as the district and county medical insurance office) through the employer; Retirees from useless units can be paid directly by the county medical insurance office. (two) employees should hold the medical insurance certificate to the designated medical institutions for medical treatment or to the designated retail pharmacies to buy drugs. Medical expenses incurred by employees who fail to produce medical insurance certificates shall not be deducted or recorded by designated medical institutions or retail pharmacies, and the basic medical insurance fund and additional funds shall not be settled. (3) If the employee's medical insurance certificate is damaged, he/she should hold his/her valid identity document and the damaged medical insurance certificate and go through the replacement formalities at the county medical insurance office. (4) If the employee's medical insurance certificate is damaged or lost, he/she shall, with his/her valid identity certificate, go through the written reporting procedures at the municipal medical insurance center or the nearby county medical insurance office, or report the loss by telephone first, and then go through the written reporting procedures within 48 hours. After the employee reports the loss 1 hour, the municipal medical insurance center will stop using the medical insurance. If the telephone fails to report the loss in writing within the specified time, the municipal medical insurance center will resume the use of the original medical guarantee. (1) If an employee suffers from a serious illness and needs outpatient medical treatment, he should first go through the registration formalities at the county medical insurance office where the medical institution is located with the relevant medical certificate issued by the designated medical institution designated by the Medical Insurance Bureau. Each registration is valid for 6 months. If you need to continue to seek medical treatment after more than 6 months or need to change medical institutions within 6 months, you should go to the district and county medical insurance office where the registration procedures were originally completed to re-register or change the registration procedures. (2) Employees with household registration or employment in other provinces and cities, after being confirmed by the county medical insurance office, go to the local medical insurance designated medical institutions for medical treatment; If medical insurance is not implemented locally, you can go to medical institutions above township hospitals approved by the local health administrative department for medical treatment. The above provisions shall apply to the emergency of employees in this Municipality in other provinces and cities. (three) employees who go to designated medical institutions for medical treatment due to work-related injuries and occupational diseases shall produce relevant certificates. Seven. Year of medical insurance (1) The year of medical insurance in this Municipality (hereinafter referred to as the medical insurance year) is 10/day to February 1 day. The amount of funds in the individual medical account, the Qifubiaozhun and the maximum payment limit of the overall fund (hereinafter referred to as Qifubiaozhun and the maximum payment limit), the payment of additional funds and the standard of personal expenses before the payment of additional funds (hereinafter referred to as the outpatient and emergency standards) are all calculated according to a medical insurance year. (II) In the same medical insurance year, if employees newly participate in or resume participating in medical insurance, the Qifubiaozhun, the maximum payment limit and the self-sufficiency standard for outpatient and emergency departments will remain unchanged. (III) In the same medical insurance year, if the employee changes from on-the-job to retirement during hospitalization or observation in emergency observation room, the actual settlement shall be carried out according to the Qifubiaozhun for retirees. (4) If the employee is hospitalized or stays in the emergency observation room to observe the cross-year medical insurance, it shall be implemented according to the Qifubiaozhun and the highest payment limit of the medical insurance year at the time of actual settlement. (5) In the same medical insurance year, if an employee changes from on-the-job to retirement, the deductible amount in outpatient and emergency medical expenses shall be implemented according to the self-funded standard of on-the-job employees and the self-funded standard of retirees when they retire. If the outpatient and emergency medical expenses paid by employees at their own expense before retirement do not meet the outpatient and emergency standards for retirees, they will continue to be conceited to the outpatient and emergency standards for retirees. Eight, sporadic medical expenses reimbursement (a) workers in medical institutions in other provinces and cities, as well as in this city due to pre-hospital first aid or medical insurance documents reported loss, paid by individual workers for emergency medical expenses, afterwards with relevant information to the neighboring county medical insurance office to apply for reimbursement of medical expenses in line with the provisions of the basic medical insurance. (II) When medical expenses are reimbursed sporadically, the deduction, minimum payment standard and maximum payment limit of funds in individual medical accounts, as well as the self-sufficiency standard of outpatient and emergency departments, shall be implemented with reference to the relevant standards of medical insurance year when employees apply for sporadic reimbursement. (three) workers in other provinces and cities in accordance with the provisions of sporadic medical expenses reimbursement, according to the provisions of the city's basic medical insurance diagnosis and treatment projects, medical service facilities, medication scope and payment standards. Employees who can provide local medical insurance regulations can refer to local regulations, but when applying for sporadic reimbursement, they may not meet the regulations of two regions at the same time. (four) employees should apply for reimbursement of sporadic medical expenses within 3 months from the date of receipt issued by medical institutions. Nine, other (a) the old Red Army, retired cadres, disabled revolutionary servicemen above class B in this city, do not establish individual medical accounts, do not implement individual medical expenses as a whole, do not set minimum deductible and maximum payment limit, and the medical expenses incurred are separately settled and managed. (II) The inclusion criteria, Qifubiaozhun and maximum payment limit of individual medical account funds stipulated in the Measures for Medical Insurance, as well as the self-sufficiency criteria for outpatient and emergency departments, shall be determined and published by the Medical Insurance Bureau in accordance with relevant regulations before the start of each medical insurance year. (three) the roster, catalogue, forms and agreements required in the management of basic medical insurance for urban workers in this Municipality shall be uniformly produced by the Medical Insurance Bureau. (four) personal medical account management, medical insurance settlement and designated retail pharmacies management measures shall be formulated separately by the Municipal Medical Insurance Bureau in conjunction with relevant departments. (five) the detailed rules for the implementation shall be interpreted by the municipal medical insurance bureau. (six) the implementation details and the "medical insurance measures" implemented at the same time.