Social medical insurance for the effective participation of staff

Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations, which is undertaken by the government and enforced and managed by means of economic, administrative and legal means. Social medical insurance consists of basic medical insurance and large medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance.

China's social basic medical insurance has the following three main functions:

1. Basic medical insurance

(1) The medical insurance fund is based on the principle of income and expenditure, and the personal account is combined with the usual fund to protect the basic medical needs of the insured;

(2) The medical insurance fund is used for expenses within the drug list, diagnosis and treatment items and medical service facilities standards according to regulations;

(3) The insured must use it according to the regulations, and the interests of all the insured cannot be harmed.

2. The essence of risk-insured medical insurance is to protect risks. Once the insured person has a risk and generates medical expenses, he can be reimbursed in proportion.

3. Keeping healthy Many people think that they should enjoy full reimbursement if they have insured medical insurance and paid full fees. This idea is wrong.

Because once China's medical insurance is insured, as long as it is paid continuously, it can basically be guaranteed for life, and the annual insurance fee is not high, and the reimbursement rate is calculated according to the payment grade of the insured, so the rights and interests enjoyed can actually protect personal health risks.