First, China's medical accidents are divided into four levels:
1. First-class medical accident: causing death or serious disability of the patient;
2. Secondary medical accident: moderate disability and severe dysfunction caused by organ and tissue damage;
3. Class III medical accident: causing slight disability and organ and tissue damage to the patient, resulting in general dysfunction;
4. Four-level medical accidents: other consequences that cause obvious personal injury to patients.
Second, there are several types of medical insurance:
1. Basic medical insurance for urban workers: If you have a job, the regular unit will register with the social security department, which belongs to employee medical insurance. Generally speaking, companies pay 8% and individuals pay 2%. On-the-job, freelance or unemployed people can also pay employee health insurance, but the expenses need to be borne by individuals.
2. The new rural cooperative medical system: those who have no job and are registered in rural areas can participate in the new rural cooperative medical system normally. This kind of insurance, under normal circumstances, individuals only need to pay tens of dollars a year, and financial subsidies at all levels are several hundred dollars a year.
3. Basic medical insurance for urban residents: If you have no job and your household registration is in a town, you can participate in the medical insurance for urban residents, which is called the basic medical insurance for urban residents. Similar to the new rural cooperative medical system, this kind of insurance individual pays tens of dollars every year, and financial departments at all levels will subsidize hundreds of dollars.
4. Medical insurance for retired cadres: This kind of insurance is quite special. It is medical insurance for retirees and revolutionary disabled people, and it is basically reimbursed in full.
Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and both employers and employees shall pay the basic medical insurance premium according to the provisions of the state.