Evaluation time of fixed-point access to medical insurance

Extended data:

Medical insurance refers to the basic medical insurance premium paid in full and on time by employers and employees according to the principle of compulsory social insurance through national legislation. If it is not paid in full and on time, the basic medical insurance fund for its medical expenses will not be paid, regardless of personal accounts. Take the proportion of medical insurance payment in Beijing as an example: the employer pays 65,438+00% of its total payment base every month, and the individual employee pays 2%+ 120 yuan as a serious illness co-ordination.

Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Insurance liability accidents need to be handled, and the insurance money will be paid in proportion.

On 20 19, 1 1 year 10, the national medical insurance bureau launched the national medical insurance electronic certificate system, which was the first to be piloted in some cities such as Hebei, Jilin, Heilongjiang, Shanghai, Fujian, Shandong and Guangdong.

In 2020, there will be 136 13 1000 people participating in the basic medical insurance nationwide, and the participation rate will be stable at over 95%.

Medical insurance refers to the insurance that pays the insurance premium on the condition that the medical behavior agreed in the insurance contract occurs, and provides protection for the medical expenses of the insured during the medical treatment [1].

Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. Therefore, the medical insurance system is usually enforced by national legislation and a fund system is established. The expenses are paid jointly by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risks caused by the illness or injury of the employees.

Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation.

Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

Medical insurance covers a wide range of responsibilities, and medical expenses are generally differentiated according to the characteristics of medical services, mainly including doctor's outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization expenses, operation expenses, and various inspection expenses.