With the development of society, people pay more and more attention to the problem, and what is included in the basic medical insurance system is also a matter of great concern. In order to help you solve these problems, Bian Xiao compiled this knowledge, hoping to help you. Basic principles of basic medical insurance system (1) Several principles should be followed in the pilot of basic medical insurance for urban residents: First, start at a low level. With the development of economy and the improvement of people's income level, we can gradually improve the level of financing, security standards and financial subsidies. The second is to adhere to the voluntary participation of the masses. It is not mandatory, but pays attention to the attractiveness of policies in system design, guides the masses to participate in insurance, and encourages continuous payment. The third is to clarify the responsibilities of the central and local governments. The central government formulates principles and major policies to ensure the unity of the national social security system. The fourth is to adhere to overall planning and coordination. Consider the convergence of various security systems and policies as a whole, the balance between regions as a whole, the impact of the introduction of the new system on other people as a whole, and the supporting reforms of the medical security system and the medical and health system as a whole. (II) Coverage The primary and secondary schools (including vocational high schools, technical secondary schools and technical schools) students, children and other non-employed urban residents who are not covered by the basic medical insurance system for urban employees may voluntarily participate in the basic medical insurance for urban residents. The Ministry of Education, the Ministry of Labor and Social Security and the Ministry of Finance conducted a special study on medical security for college students. The basic idea is to participate in the basic medical insurance for urban residents, and the specific policies will be reported to the State Council for approval after further investigation. (3) Financing standard There is no unified national financing standard for urban residents' basic medical insurance. According to the principle of starting at a low level and the level of local economic development, and considering the affordability and financial burden of households, it is reasonably determined by all localities. Judging from the average value of practical calculation in many areas, it is necessary to ensure that the fund payment ratio is above 50% and the financing level is about 2% of the per capita disposable income of urban households. Because of the great difference in medical consumption demand between minors and adults, the financing level is also different. (IV) Government Subsidies In order to guide and help the vast number of urban residents to pay insurance premiums and learn from the successful experience of the new rural cooperative medical system, the basic medical insurance for urban residents is subsidized by the government. The government grants a subsidy of not less than 40 yuan/year to all insured residents, not less than 10 yuan/year to minors in urban low-income families, and not less than 60 yuan/year to urban low-income objects (adults), elderly people over 60 in low-income families and severely disabled people who have lost their ability to work. Subsidy funds are shared by the central government and local governments: the central government generally subsidizes 20 yuan for all insured residents in the central and western regions, 5 yuan for minor urban residents with difficulties, and 30 yuan for adult urban residents with difficulties; For the eastern region, the central government will give appropriate subsidies according to the subsidy method of the new rural cooperative medical system. This provision clarifies the level of central financial subsidies and leaves room for local subsidies. Since 2008, the government's per capita subsidy standard for insured residents has been raised from 40 yuan to 80 yuan, among which the central government's per capita subsidy standard for the central and western regions has been raised from 20 yuan to 40 yuan, and the subsidy standard for the eastern region has also been raised with reference to the subsidy method of the new rural cooperative medical system. (five) the management system is consistent with the provisions of the basic medical insurance for urban workers in principle, and it is managed by the medical insurance agency affiliated to the labor and social security department in a unified way, and the residents' participation in the insurance is subject to territorial management. However, there are some differences: in terms of payment policy, the basic medical insurance for urban residents only establishes a pooling fund, not a personal account, and the fund is mainly used to pay for serious illness expenses in hospitalization and some outpatient clinics. In principle, the proportion of fund payment is lower than that of urban workers' medical insurance and higher than that of the new rural cooperative medical system, which can generally be around 50-60%. Conditional places can also explore ways to ensure the overall planning of medical expenses for common diseases in outpatient clinics. In other words, part of the funds will be earmarked to pay for general outpatient expenses. In fund management, the basic medical insurance fund for urban residents should also be included in the unified management of the financial accounts of social security funds, but it should be listed separately. In medical service management, it is basically the same as the basic medical insurance for urban workers, but in service project management, it is necessary to supplement children's special drugs, and in medical management, children's hospitals should be added as designated medical institutions. To sum up, it is Bian Xiao's answer to what the basic medical insurance system contains. Generally speaking, those who are included in the basic medical insurance system are like this in our existing policies and regulations. If you still have questions, you can consult the relevant websites or departments. I hope my answer is helpful to you! In case of doubt, legal advice is welcome. Wish you a happy life!

Legal objectivity:

According to the requirements of the State Council's Decision on Establishing the Basic Medical Insurance System for Urban Employees (Guo Fa [1998] No.44), the framework of the basic medical insurance system for urban employees includes six parts: First, a reasonable payment mechanism is established, and the basic medical insurance premium is paid jointly by employers and individuals, which reflects the mandatory characteristics of national social insurance and the unity of rights and obligations. Medical insurance premiums are paid jointly by units and individuals, which can not only expand the sources of medical insurance funds, but more importantly, clarify the responsibilities of units and employees and enhance personal awareness of self-protection. In this reform, China has stipulated the control standards of the employer's contribution rate and individual contribution rate: the employer's contribution rate is controlled at about 6% of the total wages of employees, and the specific proportion is determined by local governments. The contribution rate of employees is generally 2% of their wage income. Two, the establishment of pooling funds and personal accounts, the basic medical insurance fund is composed of social pooling funds and personal account funds for personal use. All individual contributions are included in individual accounts, about 30% of unit contributions are included in individual accounts, and the rest are set up as a whole fund. Personal account funds are dedicated to my medical expenses, which can be carried forward and inherited, and the principal and interest of personal accounts are owned by individuals. The third is to establish a payment mechanism with a single unified account and a clear scope, coordinate funds and individual accounts, and determine their respective payment ranges. The overall fund mainly pays large and inpatient medical expenses, and the personal account mainly pays small and outpatient medical expenses. In accordance with the principle of "balance of payments", the overall fund shall determine the minimum payment standard and the maximum payment limit according to the actual situation in various places and the affordability of the fund. The fourth is to establish an effective medical service management mechanism. The payment scope of basic medical insurance is limited to the medical expenses within the prescribed basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards; Fixed-point management of medical institutions and pharmacies providing basic medical insurance services; Social insurance agencies and basic medical insurance service institutions (designated medical institutions, designated retail pharmacies) shall settle the expenses in accordance with the settlement method agreed in the agreement. Fifth, establish a unified socialized management system and implement a certain degree of socialized handling of basic medical insurance. In principle, the administrative regions at or above the prefecture level (including prefectures, cities, prefectures and leagues) can be used as the overall planning units, and the social insurance agencies in the overall planning areas are responsible for the unified collection, use and management of funds to ensure the full collection, rational use and timely payment of funds. Sixth, establish a perfect and effective supervision mechanism and implement financial account management for the basic medical insurance fund; Social insurance agencies should establish and improve rules and regulations; Overall planning areas should set up social supervision organizations for basic medical insurance and strengthen social supervision. It is necessary to further establish and improve the fund budget and final accounts system, financial accounting system and internal audit system of social insurance agencies.