According to the requirements of the State Council's Decision on Establishing the Basic Medical Insurance System for Urban Employees (Guo Fa [1998] No.44), the framework of the basic medical insurance system for urban employees includes six parts: First, a reasonable payment mechanism is established, and the basic medical insurance premium is paid jointly by employers and individuals, which reflects the mandatory characteristics of national social insurance and the unity of rights and obligations. Medical insurance premiums are paid jointly by units and individuals, which can not only expand the sources of medical insurance funds, but more importantly, clarify the responsibilities of units and employees and enhance personal awareness of self-protection. In this reform, China has stipulated the control standards of the employer's contribution rate and individual contribution rate: the employer's contribution rate is controlled at about 6% of the total wages of employees, and the specific proportion is determined by local governments. The contribution rate of employees is generally 2% of their wage income. Two, the establishment of pooling funds and personal accounts, the basic medical insurance fund is composed of social pooling funds and personal account funds for personal use. All individual contributions are included in individual accounts, about 30% of unit contributions are included in individual accounts, and the rest are set up as a whole fund. Personal account funds are dedicated to my medical expenses, which can be carried forward and inherited, and the principal and interest of personal accounts are owned by individuals. The third is to establish a payment mechanism with a single unified account and a clear scope, coordinate funds and individual accounts, and determine their respective payment ranges. The overall fund mainly pays large and inpatient medical expenses, and the personal account mainly pays small and outpatient medical expenses. In accordance with the principle of "balance of payments", the overall fund shall determine the minimum payment standard and the maximum payment limit according to the actual situation in various places and the affordability of the fund. The fourth is to establish an effective medical service management mechanism. The payment scope of basic medical insurance is limited to the medical expenses within the prescribed basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards; Fixed-point management of medical institutions and pharmacies providing basic medical insurance services; Social insurance agencies and basic medical insurance service institutions (designated medical institutions, designated retail pharmacies) shall settle the expenses in accordance with the settlement method agreed in the agreement. Fifth, establish a unified socialized management system and implement a certain degree of socialized handling of basic medical insurance. In principle, the administrative regions at or above the prefecture level (including prefectures, cities, prefectures and leagues) can be used as the overall planning units, and the social insurance agencies in the overall planning areas are responsible for the unified collection, use and management of funds to ensure the full collection, rational use and timely payment of funds. Sixth, establish a perfect and effective supervision mechanism and implement financial account management for the basic medical insurance fund; Social insurance agencies should establish and improve rules and regulations; Overall planning areas should set up social supervision organizations for basic medical insurance and strengthen social supervision. It is necessary to further establish and improve the fund budget and final accounts system, financial accounting system and internal audit system of social insurance agencies.