Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks.
A medical insurance fund is established through contributions from employers and individuals. After insured persons incur medical expenses for medical treatment, the medical insurance agency will provide them with certain financial compensation.
The establishment and implementation of the basic medical insurance system gathers the economic strength of units and social members, and coupled with government funding, can enable sick members of society to obtain necessary material help from the society, reduce the burden of medical expenses, and prevent the society from falling ill.
Members are “impoverished due to illness.”
According to the basic requirements for the payment of basic medical insurance benefits in my country, insured persons must go to medical insurance institutions to reimburse the medical expenses incurred by themselves for medical treatment. Generally, the following conditions must be met: 1. Insured persons must go to the designated medical institutions of basic medical insurance for medical treatment and drug purchase. , or go to a designated retail pharmacy designated by the social insurance agency to purchase drugs with a medical prescription issued by a doctor in a designated hospital.
2. The medical expenses incurred by insured persons during medical treatment must comply with the scope and payment standards of the basic medical insurance drug catalog, diagnosis and treatment items, and medical service facility standards before they can be paid by the basic medical insurance fund in accordance with regulations.
3. Among the medical expenses of insured persons that meet the payment scope of basic medical insurance, the portion of the expenses above the minimum payment standard of the social medical co-ordination fund and below the maximum payment limit shall be paid by the social medical co-ordination fund in a uniform proportion.
According to Article 2 of the "Social Insurance Law of the People's Republic of China", the state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens in the event of old age, illness, work-related injury, unemployment, etc.
The right to obtain material assistance from the state and society in accordance with the law in cases of childbirth, childbirth, etc.
Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be consistent with the level of economic and social development.