At present, the rules and regulations of social medical insurance in China, a big country, are divided into two specific contents: basic medical insurance for urban workers, basic medical insurance for urban and rural residents and commercial insurance, which is the most important specific content of multi-level medical insurance in China. The Insurance Law has chosen the standards of coverage, multi-level, basic and sustainable development.
The basic medical insurance for urban workers was established in accordance with the spirit of the relevant provisions of the State Council (1998) No.44. The rules and regulations of basic medical insurance for urban workers are an important part of China's medical insurance system. The core goal of paying social security is to let every urban and rural resident, including employees of administrative institutions, all employees of companies and freelancers, participate in medical insurance for urban workers as an identity. Medical insurance for urban workers shall be paid by the employees of the employing unit in proportion.
The basic medical insurance for urban and rural residents is established by integrating the new rural medical insurance and the social medical insurance for urban and rural residents according to the relevant provisions of document No.3 issued by the State Council (2065438+06). Through the integrated medical insurance, the urban and rural medical insurance system in China is unified, and the core social security targets are many urban residents who have not participated in the medical insurance for urban workers. Medical insurance for serious illness of urban and rural residents is a payment method combining individual contributions and state subsidies. On the premise of individual payment, China's supporting facilities will be subsidized accordingly. Individual contributions and state subsidies are all credited to the overall fund for diagnosis and treatment, and the hospitalization expenses of the insured are distributed in proportion. The basic medical insurance policy for urban and rural residents is the most inclusive and comprehensive medical insurance system in the national medical insurance rules and regulations and multi-level medical insurance system.
The narrow sense of universal medical insurance mainly means that our country's medical insurance system is localized management, and now it is based on municipal institutions as a whole. In the overall planning areas established in various places, the medical insurance with the municipal level as the comprehensive department is called municipal medical insurance; Medical insurance with provincial units as the overall planning area is called provincial medical insurance; Medical insurance with the central state organs as the overall planning area is called universal medical insurance. Regardless of the national medical insurance, provincial medical insurance and municipal medical insurance, the medical insurance standards are implemented according to the spirit of the State Council Document No.44 (1998) and the relevant provisions of the Social Security Law, but the specific implementation details are formulated and implemented according to the overall planning area. As an independent overall planning area, the national medical insurance will also formulate specific implementation measures according to its own specific conditions.
Generally speaking, the universal health insurance we are talking about includes broad sense and broad sense knowledge. National medical insurance in a broad sense is the general name of China's social medical insurance rules and regulations, including basic medical insurance for urban workers and basic medical insurance for urban and rural residents. The narrow sense of universal health insurance is based on the division of overall planning areas, especially the medical insurance of the central state organs is the overall planning area, which is called universal health insurance.