The medical insurance system refers to a system in which a country or region raises, distributes and uses medical insurance funds to solve the problem of disease prevention and treatment of residents according to the insurance principle. The medical insurance system is an effective financing mechanism for residents' medical care, a relatively progressive system that constitutes the social insurance system, and also a widely adopted health expense management model in the world.
Medical insurance is mainly divided into medical insurance for urban workers and basic medical insurance for urban residents. The establishment of China's medical insurance system has promoted the rapid development of China's medical and health undertakings and played a positive role in ensuring the health of urban and rural residents and improving people's physique. Mainly manifested in: China's medical and health undertakings have developed rapidly, the scale has been continuously expanded, and medical facilities have been continuously improved. After the establishment of People's Republic of China (PRC), a medical and health network covering all kinds of health institutions at all levels and all kinds of health personnel has been gradually established.
Legal basis:
Article 2 of People's Republic of China (PRC) Social Insurance Law
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
Article 23 of People's Republic of China (PRC) Social Insurance Law
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Article 27 of People's Republic of China (PRC) Social Insurance Law
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.