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. Medical insurance shall be paid by employers and individuals, and a medical insurance fund shall be established. After the insured person has medical expenses, the medical insurance institution will give him economic compensation, so that the patient can get necessary material help from the society and reduce the burden of medical expenses.

The characteristics of basic medical insurance include universality, economy and compulsion.

1, universality: refers to a wide range of medical insurance, covering employers and employees, state organs, enterprises, private enterprises and individual workers.

2.* * * Economy: It means that after all employers and employees pay medical insurance premiums according to regulations, once they are hospitalized or suffer from long-term chronic diseases, the medical expenses will be reimbursed by the overall fund in proportion.

3. Mandatory: According to the law, all urban employers and employees must participate in basic medical insurance.