Types of medical insurance

The types of medical insurance include commercial medical insurance, subsidy payment and expenses.

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. 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.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

20 19, 1 1, the first batch of 422 diseases in Anhui and their payment methods were announced. From 1 to 2020, urban and rural residents will have a unified payment standard for medical treatment in 18 provincial hospitals.

In the traditional sense, medical insurance refers to raising medical insurance funds among certain insured people in a certain area through mandatory policies and regulations or voluntary contracts handled by specific organizations or institutions.

Medical insurance originated in western Europe and can be traced back to the Middle Ages. With the success of the bourgeois revolution, family workshops were replaced by large industries, and modern industrial teams emerged.

Due to the harsh working environment, epidemics and industrial accidents, workers need corresponding medical care. But their wages are low, and it is difficult for individuals to pay medical expenses. Therefore, workers in many places spontaneously organized themselves to raise some money for expenses when they were sick. But this form is not very stable, and the scope is small, and the ability to resist risks is very low. /kloc-at the end of 0/8 and the beginning of 09, private insurance developed in western Europe and became an important way for the country to raise medical funds.

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.