Medical insurance refers to social medical insurance. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs protection for workers within the scope of protection. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account and the other part is used to establish the overall fund. When seeing a doctor with a patient, doctors often consider the patient's medical insurance. Here is the basic knowledge of social medical insurance. Composition of social overall medical insurance: the payment base is m: employees' wage income+allowance. The unit pays 8% m every year; Individual employees pay 2% m every year; The unit pays 8%-6.6% to 7% into the overall account (1% to 1.4% into the personal account)-hospitalization expenses; Personal payment of 2%-2% goes into personal account (plus unit payment of 1%-1.4%)-outpatient fee. Suppose: a 3-year-old employee of a company earns 2, yuan a year, and after handling social medical insurance, the company pays 1,6 yuan a year; Employees themselves pay 4 yuan every year. The personal account consists of two parts: 4 yuan paid by the individual+1% of the 2, yuan paid by the unit, that is, 2 yuan and 6 yuan out of the 1,6 yuan; (The percentage is 1% under the age of 35; 1.4% for more than 35) overall account: the remaining 7% of the 8% paid by the unit, that is, 14 yuan. Note: hospitalization expenses are reimbursed from the overall account, and the amount is the same for everyone; Outpatient expenses are deducted from personal account (i.e. medical insurance card), which is different for each person. Features have the characteristics of "low level and wide coverage". The payment is based on the expenses that most units and individuals can bear at a low level, covering all units and employees in cities and towns, and employees of different units can enjoy the rights of basic medical insurance. The insured can enjoy it for life after completing the payment period. Secondly, the basic medical insurance has the characteristics of "both parties bear the burden, and the unified account is combined"; Based on the principle of "balance income and expenditure". Advantages enjoy treatment according to unified standards. The same access conditions, the same fees, the same treatment, there is no difference between high and low. The employee's outpatient expenses can be deducted from his personal account, and the employee will pay for it after deduction. Employees' hospitalization expenses are reimbursed in proportion: 1, yuan is reimbursed by tertiary hospitals for 86%; 1, to 2, yuan, 88% of the expenses are reimbursed by tertiary hospitals; 2, to 4, yuan, 92% of the expenses are reimbursed by tertiary hospitals. If the employee has not been sick for several years in a row, the personal account funds can be accumulated and accumulated. Defects There is a basic deductible for each hospitalization, namely: 5 yuan, a first-class hospital, 75 yuan, a second-class hospital, and 1 yuan, a third-class hospital. These expenses need to be borne by employees themselves. Class A drugs and Class B drugs are reimbursed in proportion, but imported drugs are not reimbursed. If the amount exceeds 4, yuan, you have to pay for it yourself. Medical insurance personal account Medical insurance personal account is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for medical treatment and the out-of-pocket part of drug purchase. Social Security Card The social security card is an electronic information card that is handled by the medical insurance agency for the insured to seek medical treatment and purchase medicines, and is used to verify the identity, record and store personal account funds and usage. With my social security card, the insured person can seek medical treatment at any designated medical institution in this city or purchase medicines at designated retail pharmacies. The medical insurance for college students will be announced after several rounds of revision of the new medical reform plan "two sessions", in which the inclusion of college students in medical insurance is a highlight. In most colleges and universities, students enrolled in the plan enjoy free medical care, while those enrolled in the expansion participate in commercial medical insurance. The final version of the plan will include college students in the medical insurance for urban residents, which means that in the future, college students will have to pay their own fees and no longer enjoy the "benefits" of free medical care. In the online post of the incident, many college students who are studying or in the past admitted that they can only see the smallest and most common diseases when they see a doctor in a school hospital, and doctors also use the simplest diagnosis and treatment and the cheapest drugs. In fact, such free medical care is similar to "free medical care". In 24, Zhang Chunming, a student from Tsinghua University, went to the school hospital for treatment for diarrhea at least four times. The school hospital was diagnosed with enteritis and refused to transfer. After being delayed for nearly four months, Zhang went to the Third Hospital of Beijing Medical University at his own expense to be diagnosed with advanced intestinal cancer and passed away in a coma. According to medical data, if intestinal cancer is found early, there is hope for survival after operation. Why didn't the school hospital agree to transfer? It was because of a policy implemented at that time: 8% of the free medical care enjoyed by college students in Beijing was borne by the government and directly allocated to the school, and the remaining 2% was borne by the school and students. The school decided to reimburse it in whole or in part according to its own economic situation. Because the school is worried that the "remaining 2%" will be mainly paid by the school, and because the government's commitment is limited to the planned enrollment, the school doctors can't help but think about the standard of drug use and agree to transfer to another hospital. From this, we can easily see that the "low-standard, all-inclusive" medical security system has long been necessary for fundamental reform. With the help of the new medical reform plan, college students have been included in the scope of medical insurance. As a result, the security level of college students has improved a lot, and colleges and universities have also reduced their burden. However, from the perspective of insurance costs, although the amount of "self-payment" is not known yet, some college students with poor economic conditions and self-reliance on good health may be in conflict with the inclusion of medical insurance because of the burden of payment. Viewpoint If we admit that medical care is a person's basic right, we should also consider how to solve these new problems after college students are included in medical insurance. The inclusion of medical insurance only means that the security platform has changed from small to large, not the reason for the government to give up. Therefore, the payment policy should also have the necessary flexibility. Specifically, first, the payment standards should be varied, so that students have sufficient choice; Second, the government should, on the premise of not less than the previous "free medical care for college students", supply this part of the money to college students with family difficulties in the form of medical insurance subsidies to ensure their basic medical needs. < P > Read more: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.