What's the difference between new medical insurance and medical insurance?

The main differences between new medical insurance and medical insurance are reflected in policy design, coverage, reimbursement ratio and management mechanism.

I. Policy design

The traditional medical insurance system is mainly based on local policy design, and there are great differences between regions, which leads to the lack of unity and coordination of medical insurance policies nationwide. The new medical insurance system pays more attention to national unity and aims to establish a fairer and more sustainable medical insurance system. By integrating and optimizing local medical insurance policies, the new medical insurance system can better meet the medical security needs of the broad masses of the people.

Second, coverage.

The traditional medical insurance system can only cover some people, such as urban workers and urban and rural residents, while the new medical insurance system strives to achieve universal coverage. The new medical insurance system covers all kinds of people, including urban workers, urban and rural residents and migrant workers, so that more people can enjoy the benefits of medical insurance.

Third, the reimbursement ratio.

In the reimbursement ratio, the new medical insurance system is significantly higher than the traditional medical insurance system. The new medical insurance system improves the reimbursement ratio by optimizing the reimbursement mechanism, so that the insured can reduce the economic burden during medical treatment. At the same time, the new medical insurance system has also increased the protection for special diseases and major diseases, and provided more comprehensive medical insurance for the insured.

Fourth, management mechanism.

The new medical insurance system has also made innovations in the management mechanism. The new medical insurance system realizes the real-time enjoyment and supervision of medical insurance information by establishing a national unified medical insurance information platform, and improves the management efficiency. At the same time, the new medical insurance system has also strengthened the supervision of medical institutions, prevented the occurrence of problems such as excessive medical treatment and arbitrary charges, and protected the legitimate rights and interests of insured persons.

To sum up:

The main differences between new medical insurance and medical insurance lie in policy design, coverage, reimbursement ratio and management mechanism. The new medical insurance system pays more attention to national unity and fairness, strives to achieve universal coverage, improves the reimbursement ratio and management efficiency, and provides more comprehensive and high-quality medical insurance for the insured.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

People's Republic of China (PRC) social insurance law

Article 24 provides that:

The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

People's Republic of China (PRC) social insurance law

Article 25 provides that:

The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

People's Republic of China (PRC) social insurance law

Article 26 provides that:

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.