Social security is actually what we call five insurances and one fund. Many people don't know what five insurances and one fund are. Today's editor will show you what five insurances and one fund are, and some changes of the latest five insurances and one fund in 2018.
1. We will improve the level of basic medical insurance and serious illness insurance, and increase the per capita financial subsidy for basic medical insurance by another 40 yuan, half of which will be used for serious illness insurance.
2. We will expand the scope of direct medical settlement across provinces, including primary hospitals, migrant workers and entrepreneurs.
The direct settlement of cross provincial and non local medical treatment refers to that when the basic medical insurance participants are hospitalized across provinces and non provinces, they only need to pay the hospitalization medical expenses borne by individuals according to the regulations, and other expenses are settled by the visiting hospital and the local medical insurance agency.
According to the regulations, the eligible insured persons are four categories, including those who are resettled in different places, who live in different places for a long time, who work in different places for a long time, and who meet the conditions for referral of medical treatment in different places. They need to be put on record in the medical insurance institutions of the insured places, and they can get medical treatment orderly according to the requirements of hierarchical diagnosis and treatment.
What are the changes of five insurances and one fund in 2018
2、 Maternity insurance
At the end of June last year, 12 cities, including Chongqing, launched a pilot project for the combination of maternity insurance and medical insurance, with a pilot period of about one year.
According to the requirements of the plan, "after the two insurances are combined and implemented, unified designated medical service management will be implemented", but this does not mean that the maternity insurance will be cancelled, and the maternity insurance still exists.
The combination of maternity insurance and basic medical insurance is beneficial to the migrant workers and the people with flexible employment. As long as they are covered by basic medical insurance, they can enjoy the benefits of maternity insurance.
Maternity treatment includes two aspects, one is maternity medical treatment, the other is maternity allowance. The insured people who have participated in the basic medical insurance, if they are the insured of the basic medical insurance for urban employees, need to pay the premiums of the basic medical insurance and the maternity insurance at the same time, so as to obtain the maternity insurance benefits in both aspects. If the insured is urban and rural residents' basic medical insurance or the new rural cooperative medical insurance, they still need to pay basic medical insurance premiums, but their maternity insurance benefits only include maternity medical treatment, not maternity allowance.