First, medical insurance.
Basic medical insurance 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 agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.
The basic medical insurance is one of the most important types of insurance in the social insurance system. Together with the basic old-age insurance, industrial injury insurance, unemployment insurance and maternity insurance, it constitutes a modern social insurance system.
Second, the origin of medical insurance
199865438+in February, the State Council issued the Decision on Establishing the Basic Medical Insurance System for Urban Employees (Guo Fa [1998] No.44), requiring the establishment of a multi-level medical security system with the basic medical insurance system for urban employees as the core throughout the country. The "Decision" pointed out that the main task of the reform of the medical insurance system is to establish a basic medical insurance system for urban workers, that is, to adapt to the socialist market economic system and to establish a social medical insurance system to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals. The principles of establishing the basic medical insurance system for urban workers are: the level of basic medical insurance should be adapted to the development level of productive forces in the primary stage of socialism; All employers and their employees in cities and towns should participate in basic medical insurance and implement territorial management; The cost of basic medical insurance shall be borne by both the employer and the employee; The basic medical insurance fund combines social pooling with individual accounts.