At present, the latest per capita financial subsidy standard for residents' medical insurance is the Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2020 (hereinafter referred to as the Notice) formulated and issued by the National Medical Security Bureau in conjunction with the Ministry of Finance and State Taxation Administration of The People's Republic of China. It is stipulated that the per capita financial subsidy standard for residents' medical insurance should be raised in 30 yuan, reaching not less than 550 yuan per person per year, and the individual payment standard should be raised in 30 yuan at the same time, reaching 280 yuan per person per year. Consolidate the level of basic medical insurance and serious illness insurance for urban and rural residents. Within the scope of the policy, the proportion of hospitalization expenses will reach 70%, the deductible line of serious illness insurance will be reduced to half of the per capita disposable income of residents, and the proportion of payment within the scope of the policy will be increased to 60%. Legal basis: According to the Notice of the Ministry of Finance and the National Health Insurance Bureau of State Taxation Administration of The People's Republic of China on Doing a Good Job in Basic Medical Insurance for Urban and Rural Residents in 2020, 1. Raise the financing standard of basic medical insurance for urban and rural residents; In 2020, the per capita financial subsidy standard of basic medical insurance for urban and rural residents (hereinafter referred to as residents' medical insurance) will be increased to 30 yuan, reaching the level of not less than that of 550 yuan per person per year. At the same time, the individual payment standard will be raised in 30 yuan, reaching 280 yuan per person per year.

Fiscal policy refers to the choice of government fiscal expenditure, tax revenue and borrowing level, or the decision of government fiscal revenue and expenditure level in order to promote the improvement of employment level, reduce economic fluctuations, prevent inflation and achieve stable growth. Medical insurance is a national insurance policy in the micro field, and it should be a fiscal policy in the macro field.

1) What protection can the basic medical insurance for urban and rural residents bring to the insured? What does per capita financial subsidy mean to 580 yuan? Where is the subsidy? "I pay medical insurance every year, but I have never used it." Should I pay for it?

Answer: After deducting the hospitalization qifubiaozhun, the insured of the basic medical insurance for urban and rural residents in Henan Province can be reimbursed about 70% within the policy scope according to the actual diagnosis and treatment, and the annual reimbursement limit is 550,000 yuan. In township hospitals, village clinics and other grassroots medical and health institutions, the medical expenses in the medical insurance catalogue can be reimbursed by 50%, and 300 yuan can be reimbursed for about one year.

Medical insurance for urban and rural residents consists of individual contributions and government subsidies. 580 yuan, the per capita financial subsidy, will be put into the special account of the medical insurance fund together with the 320 yuan paid by everyone, so as to ensure the insured people to enjoy medical insurance benefits.

Urban and rural residents' medical insurance will be paid once in the same year, which will guarantee the whole year of the following year. Therefore, residents' medical insurance is paid by individuals every year, and the finance also has subsidies every year. The medical insurance fund provides protection for all residents who pay fees and is used together. Because each of us will face all kinds of uncertain disease risks in our lives, it is our stable guarantee to pay medical insurance fees on time every year to prevent and resolve the risks of medical expenses.

(2) After the medical insurance payment standard for urban and rural residents has risen for three consecutive years, has the medical insurance benefits enjoyed by the masses improved?

A: In the past two decades, China's medical and health level has improved the fastest, and the problem of lack of medical care and medicine has basically been solved. Diseases that could not be cured in the past can be cured now, and operations that could not be done in the past can be done now. The average life expectancy has also increased by five years. At the same time, the medical insurance department has continuously included more life-saving and first-aid drugs in the reimbursement catalogue, benefiting a wider range of people. Medical insurance departments at all levels are constantly improving medical insurance benefits, while earnestly strengthening fund supervision and controlling the growth rate of medical insurance fund financing below 10%.

(3) Is there a personal account for medical insurance for urban and rural residents in our province at present? How to use the money after payment?

A: Since June 5438+1 October1day, medical insurance for urban and rural residents in our province will no longer be transferred to personal (family) accounts, but the balance of personal (family) accounts can offset the personal burden of outpatient or inpatient medical expenses.

Each urban and rural resident pays 320 yuan for medical insurance, and the financial per capita subsidizes 580 yuan, which is put into the medical insurance fund account to ensure that the insured enjoys medical insurance benefits.