Can't I enjoy the minimum living allowance if I have employee medical insurance?

Employees with medical insurance can enjoy the minimum living guarantee.

Paying medical insurance for low-income workers does not affect their receiving low-income insurance. If they receive social security insurance in the future, this income will be included in his family income. If the family's per capita monthly income exceeds the local minimum living standard, the minimum living guarantee will no longer be implemented for their families; Family per capita monthly income does not meet the minimum living standard, can continue to protect.

The reimbursement scope of medical insurance is as follows:

1, medical institutions and pharmacies stipulated by medical insurance can only be reimbursed if they seek medical treatment and buy medicines;

2. Only drugs listed in the basic medical insurance catalogue can be reimbursed. All Class A drugs are reimbursed, while Class B drugs are partially reimbursed, while Class C drugs cannot be reimbursed.

3. There are also requirements for participating in treatment programs. Only those who meet the scope of basic medical insurance diagnosis and treatment projects can be fully reimbursed or partially reimbursed. Service facilities also have a prescribed scope, and they can only be reimbursed if they meet the standard scope of medical service facilities of basic medical insurance. It mainly includes hospitalization bed fee and outpatient and emergency observation bed fee. For example, nursing expenses and meals cannot be reimbursed.

The principle of handling repeated insurance is as follows:

1. In case of repeated participation in employee medical insurance, the insured relationship of the current employment place shall be retained in principle;

2, repeated participation in medical insurance for urban and rural residents, in principle, keep the insured relationship of permanent residence;

3 students repeat insurance, in principle, keep the insurance relationship where their school is located;

4, cross-system repeated insurance and continuous participation in employee medical insurance 1 year or more (including 1 year), in principle, keep the employee medical insurance relationship.

To sum up, medical insurance refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.