Supplementary medical insurance is relative to basic medical insurance, and the two are complementary. Units and individuals voluntarily participate, including enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance, community medical insurance and other forms. After units and employees participate in the unified basic medical insurance, units or individuals may appropriately increase medical insurance items according to actual needs to improve the level of insurance protection. For example, supplementary medical insurance for enterprises is a form of supplementary medical insurance encouraged by the state and independently participated or organized by enterprises on the basis of participating in basic medical insurance.

Supplementary medical insurance is our popular abbreviation, and its standardized name should be basic medical supplementary insurance for urban workers, which is applicable to on-the-job workers and retirees who have participated in the basic medical insurance for urban workers in our city. Specifically, the Municipal Social Security Bureau, as the insured, collectively insured the commercial insurance company for the insured, and the insured, as the insured, was responsible for paying the insurance for the basic medical expenses that exceeded the maximum payment limit of the basic medical insurance pooling fund in that year. Pay supplementary medical insurance premiums, which belong to the on-the-job insured, and deduct 4 yuan from the personal account every month, and the insufficient part is made up by the medical insurance pooling fund; Retirement insurance, non-local household registration choose to pay 6%, all paid by the overall fund, personal accounts are not withheld.

First, the principle of establishing supplementary medical insurance:

Supplementary medical insurance is different from basic social medical insurance and has some attributes of commercial insurance. Therefore, the establishment of supplementary medical insurance should generally follow the following principles:

1. This is a voluntary principle.

2. Non-welfare principle

That is to say, supplementary medical insurance does not have social equity, which embodies the principle of more insurance, less insurance and less compensation.

This is the principle of objectivity.

In other words, the establishment of supplementary medical insurance should be determined according to the local economic development level, income distribution characteristics, population age structure characteristics and the demand level for medical insurance.

To sum up, supplementary medical insurance is our popular abbreviation, and its standardized name should be basic medical supplementary insurance for urban workers, which is applicable to on-the-job workers and retirees who have participated in the basic medical insurance for urban workers in our city.

Legal basis:

People's Republic of China (PRC) social insurance law

second

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 24

The state establishes and improves the new rural cooperative medical system.

Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25

The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.