What is the mutual protection between workers and doctors?

"Staff medical mutual fund" means "staff mutual protection". Workers' mutual assistance security is a kind of non-profit-making mutual assistance security activity with low premium, strong security, simple procedures, timely payment, standardized management, which is advocated and organized by the All-China Federation of Trade Unions.

Workers' mutual assistance is an effective way for trade unions to implement the send warm Project and help solve difficulties, aiming at giving full play to trade unions' rights protection function and promoting the development of social security. Its main task is to carry out mutual assistance activities related to the health, old age, illness, death, injury and disability of employees on the basis of self-financing and voluntary participation of employees.

Related knowledge supplement:

1. scope of reimbursement of medical insurance drugs for employees

(1) Class A drugs refer to drugs that are basically unified in China and can meet the basic needs of clinical treatment. The expenses of such drugs are included in the payment scope of the basic medical insurance fund, and the expenses are paid according to the basic medical insurance payment standard.

(2) The list of Class B drugs shall be adjusted by the provinces, autonomous regions and municipalities directly under the Central Government according to their own conditions. Before such drugs are included in the payment scope of the basic medical insurance fund, the employees shall pay according to a certain proportion and pay according to the basic medical insurance payment standard.

2. Reimbursement scope of employee medical insurance service facilities

The necessary living service facilities in the process of diagnosis, treatment and nursing mainly include hospital bed fee or outpatient (emergency) observation bed fee.

The basic medical insurance fund does not pay for living services and service facilities, mainly including:

(1) Transportation expenses for outpatient service and first aid (transfer).

(2) Air conditioning fee, TV fee, telephone fee, baby incubator fee and food incubator fee.

(3) Escort fee, nursing fee, washing fee and outpatient decocting fee.

(4) meals.

(5) Hospitality and other special life service expenses.

3. Employee medical insurance reimbursement ratio

The proportion of medical insurance reimbursement for employees varies from place to place, taking Yantai as an example:

In a medical year (natural year), the medical expenses (excluding the expenses that will not be paid by the overall fund) of the on-the-job employees will be reimbursed by stages according to the hospital level:

In a first-class hospital, 90% is paid for the part above the minimum deductible to the maximum payment limit.

Secondary hospitals pay 85% of the minimum deductible line 1 10,000 yuan (inclusive) and 90% of the maximum payment limit 1 10,000 yuan.

In tertiary hospitals, 80% will be paid for the part with the minimum deductible of 5,000 yuan (inclusive), 85% for the part with the minimum deductible of 5,000 yuan to 10000 yuan (inclusive), and 90% for the part with the maximum payment limit of 10000 yuan.

Retirees will increase by 5% on the basis of the above ratio.