Service scope of Wuhan Medical Insurance Service Center:
1, formulate the business process and management operation method of medical insurance;
2, the preparation of the basic medical insurance fund budget, submit all kinds of financial and statistical reports of medical insurance;
3, responsible for the collection, management and payment of medical insurance funds;
4, responsible for the designated medical institutions, designated retail pharmacies medical service agreement text formulation.
Medical insurance refers to the insurance that provides insurance coverage for the medical expenses incurred by the insured in treating diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. In the future, the medical expenses of employees in China will be shared by the state, units and individuals to reduce the burden on enterprises and avoid waste.
Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation.
Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.
The use of medical insurance cards is directly related to participating in medical insurance. However, for retirees, as long as it is a normal employee medical insurance retirement treatment, there is no need to pay medical insurance fees at this time, and there will be a corresponding balance in their medical insurance cards every month, and they can enjoy a free medical insurance for life. There are two kinds of medical insurance: employee medical insurance and resident medical insurance. Among them, employee medical insurance is divided into on-the-job employees and flexible employees through unit contributions and individual contributions.