1. Employees' medical insurance is paid monthly, and residents' medical insurance is paid once a year.
It is illegal for enterprises not to provide medical insurance for employees.
3. Employees' medical insurance requires both the unit and the employees to participate in the insurance.
4. Employees' medical insurance can be exempted from retirement after reaching the accumulated payment period, but residents' medical insurance must pay an annual fee to enjoy the protection.
5. Medical insurance is used to prevent and resolve the risk of medical expenses, and paying medical insurance is to provide protection for the disease risk that we may come at any time.
6. In the payment of residents' medical insurance, the state financial subsidies account for more than half, and the residents themselves bear less than half.
The role of medical insurance
1 is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, it relieves the worries of workers who are ill and have no money for treatment, so that they can work with peace of mind, thus improving labor productivity and promoting the development of production; On the other hand, security can effectively promote the physical and mental health of workers and ensure the normal reproduction of labor.
2. Adjust income differences and reflect social equity. Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees.
3. An important guarantee for maintaining social stability. Medical insurance helps patients economically, helps to alleviate social instability caused by diseases, and is an important mechanism to adjust social relations and social contradictions.
4. An important means to promote social civilization and progress. The social system of medical insurance and social mutual assistance is to share the risk of medical expenses among the insured, which embodies the new social relationship of "one party is in trouble and all parties support" and is conducive to promoting social civilization and progress.
5. Promote the reform of economic system, especially the welfare reform of state-owned enterprises.