Yunnan's medical insurance charging standard in 2023 is 1,020 yuan, of which the per capita financial subsidy standard is 640 yuan and the individual payment standard is 380 yuan.

Medical insurance refers to social medical insurance.

Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide workers within the coverage with basic medical needs when they fall ill.

The basic medical insurance fund consists of a pooled fund and individual accounts.

Medical insurance is an insurance product that provides protection for medical expenses. Its main functions are as follows: 1. Reduce the financial burden: When treatment is required due to illness or accident, medical insurance can help pay part or all of the medical expenses, thereby reducing the financial burden.

burden.

2. Improve treatment accessibility: Medical insurance can provide patients with more treatment options, including public hospitals, private hospitals and clinics, so that they can obtain better medical services.

3. Prevent excessive medical treatment: Medical insurance can prevent excessive medical treatment and unnecessary examinations by setting annual budgets and cost limits, thereby reducing medical expenses.

4. Encourage preventive medical care: Medical insurance can encourage people to pay more attention to their health and conduct regular physical examinations and other preventive measures, thereby reducing the risk of illness.

5. Protect family financial stability: If you are the breadwinner of the family, medical insurance can help you continue to work when you are sick and avoid debt and family financial crisis caused by medical expenses.

6. Comply with public health policies: Medical insurance companies usually formulate insurance plans based on government guidance and policies, which makes medical insurance an effective tool for complying with public health policies.

To sum up, the main role of medical insurance is to help individuals and families cope with the financial pressure caused by illness and accidents, improve the accessibility and quality of medical services, and maintain family financial stability by providing protection for medical expenses.

Legal basis: Article 87 of the "Social Insurance Law of the People's Republic of China" Social insurance agencies and social insurance service agencies such as medical institutions and pharmaceutical business units use fraud, forged certification materials or other means to defraud social insurance fund expenditures

If it is a social insurance service institution, the social insurance administrative department shall order it to return the fraudulently obtained social insurance funds, and impose a fine of not less than two times but not more than five times the amount of fraud; if it belongs to a social insurance service agency, the service agreement shall be terminated; the directly responsible person in charge and other directly responsible personnel shall have professional qualifications

If the person is not qualified, his or her professional qualifications shall be revoked in accordance with the law.