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Basic Medical Insurance Provisions For Urban Employees In Shantou

Original Language Title: 汕头市城镇职工基本医疗保险规定

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(The 11th ordinary meeting of the Government of the Challenge of 20 August 2007 considered the adoption of the Order No. 94 of 4 September 2007 of the Royal Government of the City, which was launched effective 1 January 2008)

Chapter I General
Article 1 promotes social harmony in order to improve the basic health insurance system for workers in the city and to develop this provision in line with the relevant provisions of the State and the province.
Article 2
The user units and their employees shall participate in the basic health insurance in accordance with this provision. Persons participating in the basic health insurance are vested in the insured person in accordance with this provision.
The basic health insurance management of persons employed in a flexible manner in the town, as well as practitioners of the individual urban economic organizations, is implemented in accordance with the relevant provisions of the basic health insurance for flexible employment workers in the town.
Article 3. Basic health insurance is guided by the principles of funding and safeguards that are responsive to the level of social development, the fulfilment of payment obligations relative to the enjoyment of related treatment, the provision of basic medical safeguards for the insured person and the management of the land.
Article IV
The municipal labour and social security administration is responsible for the administration of basic health insurance throughout the city and organizes the implementation of this provision. The Social Insurance Agency established by the Ministry of Labour and Social Security is responsible for the specific hosting of basic health insurance operations such as the mobilization, management and payment of basic health insurance funds.
Basic health insurance costs are charged by local tax authorities in accordance with local tax administration systems.
Sectors and units, such as audit, finance, health, drug surveillance, prices and trade union organizations, assist in the implementation of this provision in accordance with their respective responsibilities.
Chapter II Basic health insurance costs
Article 5 shall, within 30 days of the date of its establishment, be subject to the procedures for the registration of basic health insurance by the affiliated social insurance agency; the person's unit shall terminate in accordance with the law or change in its health insurance registration matters, and shall, within 30 days of the termination or change of the date of the termination or modification, the social insurance agency to which it is a party, write-off or change the registration process.
The user units that have not yet been involved in the basic health insurance should be subject to the procedures for the registration of basic health insurance by the affiliated social insurance agencies within 30 days of the date of operation.
The user unit shall, as prescribed, declare the number and the pay of the insured person to the institution of social insurance.
Article 6. The user unit and its employee shall pay the basic medical insurance expenses in full on time; the basic health insurance payments paid by the employee are paid by the user's unit in his or her own salary. No unit or individual shall be entitled to relief of the basic medical insurance expenses payable.
Article 7
Article 8. Basic health insurance is divided into two types of integrated health insurance and inpatient health insurance. In principle, the user unit should participate in the integrated health insurance; there are special hardships in the economy, with the approval of the municipal labour and social security administration that could not participate in the integrated health insurance, but it must be involved in the inpatient health insurance. Specific criteria and requests, approval processes are implemented by the municipal labour and social security administration and by the approval of the Government.
The same user unit can only participate in an integrated health insurance or inpatient health insurance.
Article 9. Employees' units and their employees participate in the integrated health insurance scheme, with the payment of basic health insurance payments to active workers on the basis of 7 per cent of the total monthly salary paid by active employees of the unit, and the payment of basic health insurance payments by workers on the basis of 2 per cent of their monthly salary.
Inpatient units and their employees participate in hospital health insurance, the user unit pays the basic health insurance fee for active workers, in accordance with 5 per cent of the total monthly salary paid by the current unit.
Article 10 In the second month of retirement, the insured person shall not pay the basic medical insurance fee; his or her unit shall base the average monthly pay of the employee of the unit and shall continue to pay the basic medical insurance fee to the insured person for the retirement pension in accordance with article 9 of this provision.
Article 11. The monthly salary of the employee exceeds the average monthly salary of 30 per cent of the previous year's employee in the city, free of the payment of basic health insurance payments; the monthly wage of the employee is less than 80 per cent of the average monthly salary of the previous year's employees in my city and 80 per cent of the average monthly salary of the previous employee.
Article 12. The user unit has not been able to provide in a timely manner effective information that allows the payment of the employee's salary to be verified, and the average monthly salary of my last year's employee is charged with basic medical insurance payments.
During the receipt of the unemployment insurance pension, the basic health insurance payments paid by the former agent unit were based on an average monthly salary of 80 per cent of the previous year's employees in my city, which was transferred from the unemployment insurance fund, and the basic medical insurance payments paid by the former individual were paid from the personal unemployment insurance fund. The payment of unemployment insurance benefits has not been re-employed and can be covered by a flexible employment worker in my city.
Article 14. When the unit of the person is cumbersome and, in so doing, is required to pay the basic medical insurance expenses for the part-time workers, as prescribed by the regulations; when leased and contracted, the parties concerned must make a clear liability for the payment of basic medical insurance payments.
Article 15. When the owner's unit terminates the operation of the inventory, the basic medical insurance expenses and lags due under the relevant laws, regulations shall be liquidated and the payment of the pay base, the proportion of contributions and advance payments, and the one-time payment of the basic health insurance expenses for retirees (including retired) and those who have been left behind under the relevant provisions:
(i) Prepaid base: the average monthly salary of the previous year's employee at the time of the termination of the operation by the user's unit is the pre-payment base and is increased by a 5 per cent annual rate of growth;
(ii) Proportion of contributions: the termination of the operation of the basic health insurance, which is determined by virtue of the provisions of article 9 of this provision in the form of insurance prior to the operation; the termination of the operation of the basic medical insurance and the determination of the proportion of contributions in accordance with article 9, paragraph 1, of the present article;
(iii) Pre-payment period: the monthly date of the processing of the advance payment by the self-conductor's unit until the month of the age of 75 years of the insured person's pay, which is calculated by five years for the pre-payment period. Of these, the non-State (concluding the non-State control unit) is paid by the insured person at the time of the actual service of the unit by the insured person, which has not reached the required date after the payment of the payment, and the difference is partly paid by the insured person.
Article 16 refers to the payment of basic health insurance payments by retired persons administered by the community, in accordance with article 15 of the present article.
Article 17 shall be subject to the supervision of the employee by a person's unit to make the payment of the basic medical insurance fee available to the worker on a monthly basis.
Article 18, the Labour and Social Security Administration and the Social Insurance Agency have the right to verify information on the roster of employees, the salary scale, the financial accounting books, etc., which require the reproduction of the relevant original vouchers, and the inspection units should be synchronized.
The social insurance agencies should provide the corresponding services in cases such as the payment of basic medical insurance fees and the income and expenditure of the personal medical accounts.
Chapter III Basic Medical Insurance Fund
Article 19 The Basic Health Insurance Fund, in accordance with the principles of receipt, balance of payments and a slight accumulation, has been integrated at the municipal level, harmonized systems, uniform standards, harmonized management and uniform use throughout the city.
Article 20
(i) Basic health insurance fees and their lagging funds;
(ii) The proceeds of the Basic Health Insurance Fund;
(iii) Other funds included in the Basic Health Insurance Fund by law.
The coverage of the basic health insurance fund should be in line with the provisions of the coverage of basic health insurance guarantees, which are published separately by the municipal labour and social security administration in accordance with the relevant provisions of the State and the province.
Article 21, the Social Insurance Agency should establish an integrated account of the basic health insurance fund, as set out, to cover medical expenses for the hospitalization of the insured person.
Article 22 takes part in the integrated health insurance, and the Social Insurance Agency shall establish a personal medical account for the insured person for the basic medical fund and shall calculate interest in accordance with the relevant national provisions. The principals and interest in the personal medical accounts are owned by the insured person, which may be transferred and inherited, but may not be diverted from him; no unit or individual shall be allowed to extract cash from the personal medical accounts, in addition to the relocation of the insured person to the city, the settlement of the land, the habitation or death.
Funds for the personal medical accounts are mainly used to cover the medical expenses of the insured person and can also be used to cover the self-payment portion of the medical expenses of the insured person's hospital.
Article 23, Partners and their employees participating in the integrated health insurance, all of the basic health insurance expenses paid by the worker themselves are transferred to the personal medical accounts; basic medical insurance payments paid by the user unit are classified into the personal medical accounts according to the following provisions:
(i) The age of the worker is below 45 years and is divided into 1.5 per cent of the monthly salary of the employee;
(ii) The age of workers over 45 years of age (with 45 years of age) is divided by 2 per cent of the monthly salary of the employee;
(iii) Employer retirements, from 4 per cent of the average monthly pay for the employee of the agent's unit (a one-time advance payment rate, on average monthly salary for the previous year's employee in my city).
After deductions from the basic medical insurance fees paid by the user unit to the individual medical accounts, the remaining portion of the population was integrated in the municipal social accounts and classified into the integrated accounts of the basic health insurance fund.
Article 24 takes part in the hospitalization health insurance by a user unit and its employees, and does not establish a personal medical account for the social integration of the basic health insurance payments paid by a person's unit, all of which are integrated into the basic health insurance fund account.
Article 25 Integrated accounts and personal medical accounts of the Basic Health Insurance Fund shall be accounted for separately in accordance with their respective payments.
Article 26 The Social Insurance Agency shall submit to the financial sector the financial statements of the Fund on time.
The basic health insurance fund is governed by income and expenditure lines and by the exclusive funds, and no units and individuals are excluded and diverted. The use of the basic health insurance fund to balance the financial budget.
Article 27 of the Standing Committee of the Social Insurance Fund is responsible for the integration, coordination and guidance of the management of the basic health insurance fund. The sectors such as labour and social security, finance, audit and local tax should be able, within their respective responsibilities, to work with the basic health insurance fund to secure the Fund. The social insurance agencies should establish and maintain the internal management system of the basic health insurance fund and report regularly to the Standing Committee of the Social Insurance Fund on payments, accumulation, integration and etc. of the basic health insurance fund.
Article 28 acts against the basic health insurance fund, any unit or individual has the right to report to the municipal labour and social security administration. The municipal labour and social security administration should conduct investigations, verification and treatment of the reported content, and provide real-tested violations with incentives for reportingers by a percentage of 20 per cent, with incentives being allocated by the city's finance; the labour and social security administration, the financial sector and the social insurance agencies and their staff should be kept confidential.
Chapter IV Basic health insurance services and management
Article 29 of the Basic Health Insurance is governed by a targeted medical institution and the customized retail pharmacies. The targeted medical institutions and the fixed-point retail pharmacies are made public in society after the relevant provisions and principles, such as the municipal labour and social security administration, have been reviewed and are monitored by all sectors of society. At the time of identification, a competition mechanism is to be introduced, and the custodians can purchase medicines in the targeted medical institutions for medical treatment, buying medicines or consortia.
Article 30 quantified medical institutions and customized retail pharmacies should enter into service agreements with social insurance agencies to clarify the rights and obligations of both parties.
Article 31 quantified medical institutions and customized retailers should improve information management systems, with the necessary systems end-of-service equipment, and achieve networking with the social insurance information management system.
Article 32 pays to the personal medical accounts of the Basic Medical Insurance Fund, which are accounted for by the insured person on the medical clinic of the targeted medical institution for medical treatment, purchase of medicines or purchase of medicines at the targeted retail pharmacies.
The medical expenses incurred by the insured person in hospital are charged by the targeted medical body, which is charged by the prescribed medical institution, and is paid by the targeted medical institution and the individual; paid by the basic health insurance fund, and settled by the targeted medical body with the municipal social security service agency as required. Special circumstances cannot be recorded and are reimbursed by the custodian after the advance payment of mattresses; the custodian's reimbursement rate should be delayed within six months from the date of the institution.
Article 33 is settled by the insured person or by habitual residence (more than one year of consecutive year) and may choose between 1 and 3 as a self-determined medical institution in the basic health-care establishments on the ground, as well as procedures for the processing of the municipal social insurance service.
Article 34 quantified medical institutions should uphold the principle of reasonable treatment, reasonable inspection, reasonable use of medicines and control medical costs. Inadequate medical costs to reach or exceed the prescribed standards, the insured person does not meet the standards of the board; the insured person shall not be dislocated into a number of hospitalizations for the same hospital.
Article XV Medical institutions and customized retail pharmacies should strictly implement the basic health insurance system and the relevant price policies, standards, strengthen internal management, self-sensitizing the labour and social security administration, the social insurance agencies and other relevant sectors, and provide the information required.
The executive branch of labour and social security, the social insurance agencies and other relevant departments should manage the dynamics of targeted medical institutions and targeted pharmacies.
Article 36 establishes a system for regular briefings on medical costs in this city. The municipal labour and social security administration can make public information on the media about the cost of targeted medical institutions for medical treatment.
Chapter V
In full payment of basic health insurance expenses by the user unit, the insured person received basic health insurance treatment from the previous month of the payment of the payment; the insured person was suspended from the previous month of the payment of the basic medical insurance expenses in full due period.
The insured person may continue to receive the basic health insurance treatment as prescribed by the law; the payment of the basic medical insurance expenses for more than three months, the non-payment of the pay due process and the discontinuation of the treatment of the insured person from the pay due month.
Article 338 does not provide for participation in basic health insurance, the payment of basic medical insurance expenses in full without expiry of the period covered by the provision, which includes unpaid contributions and lauruna payments that have not been made within the prescribed period, and shall bear the medical costs of their employees.
Article 39 enjoys the following basic health insurance treatment:
(i) The use of personal medical accounts for medical treatment, purchase of medicines (other than inpatient health insurance);
(ii) Inpatient medical expenses incurred in connection with medical treatment that fall within the scope of the basic health insurance fund, which are covered by the basic health insurance fund;
(iii) Reimbursement of medical fees for specific diseases, as prescribed;
(iv) Participation in supplementary insurance for high-level medical costs, with part of the basic health insurance fund;
(v) Inpatient medical expenses incurred in connection with major illnesses exceed the maximum rate of reimbursement for higher medical costs and receive benefits from the basic health insurance fund.
Article 40 Medical expenses incurred by the insured person in the case of a medical examination are paid by the individual medical account or paid in cash, in accordance with the provisions of the treatment of specific diseases.
The medical costs incurred during the emergency (or the observation of the house) of the insured person were reimbursed by the Social Insurance Agency for the reference to hospitalization provisions.
The hospitalization costs incurred in accordance with article 42, which are covered by the Basic Medical Insurance Fund, are jointly paid by the Basic Medical Insurance Fund and the insured person according to the provisions:
(i) Inpatient medical care for the insured person in my municipality;
(ii) Inpatient medical care for the insured person for emergency care needs, near the hospitalization of non-settlementary medical institutions in my city;
(iii) Inpatient medical care by the insured person in non-resident medical institutions under article 33 of this provision;
(iv) The insured person is in compliance with the referral of medical conditions, moving to hospitalization in non-informal medical institutions after the process of approval, or medical treatment is required for emergency medical care institutions near non-invention.
Article 43 thirteenth Health Insurance Funds should pay for medical expenses incurred by the insured person in hospital in accordance with the payment criteria and the maximum payment threshold. The payment criteria and the maximum payment thresholds are determined according to the following provisions:
(i) Based on an average of 10 per cent of the annual average annual wage for workers in my city, the standard of payment has been determined in accordance with the different levels of the medical institution: The three levels of medical institutions amounted to 1000, a secondary medical institution of 500, a medical facility at the level of 300, and the medical institutions were not at the discretion of the municipal labour and social security administration to determine and make public the payment criteria.
(ii) The maximum payment limit is set at around four times the average annual wage of the employee in my city, with a specific amount being issued separately.
Article 44, when the insured person is hospitalized, the following medical expenses are paid by the individual and the special circumstances are treated as follows:
(i) A medical facility (concluding non-market-based medical institutions under article 33 of this provision), in which medical care is provided for in the annual social insurance year for maloxinology or mental illness, which is required to pay for the cost of paying the first-ever hospitalization standard;
(ii) The treatment of referrals between targeted medical institutions in my city, which, at one time, pays the cost below the payment rate, to the hospital higher the payment rate than the referral of hospitals, should be added to the cost of the difference portion;
(iii) In the case of emergency medical care, medical treatment needs to be hospitalized by non-settlement medical institutions in my city, and in accordance with the standard of payment under the level of medical institutions, after the stabilization of the disease has been transferred to the I city-level medical institution, in accordance with subparagraph (b) of this article;
(iv) In accordance with the referral of medical conditions and after the processing of approval procedures, the inpatient referral to non-informal medical institutions, or the need for emergency medical care for hospitalization in near non-national medical institutions, each inpatient is charged with the payment of the following fees in accordance with the standards of the three medical institutions in my city.
Article 48 fifiers pay medical fees above the maximum payment threshold (hereinafter referred to as co-payments) when they are inpatient in each hospital.
The cost of the lump sum is in accordance with article 42, subparagraphs (i) to (iii) of the present article, and according to the level of the medical institution (including the implementation of the same-tier medical institution paying standards but not at any level), the proportion of the individual paid by the insured person: The three-tier medical institutions are 20 per cent, at 15 per cent, at the secondary level and 10 per cent at the level and in the following medical institutions; the proportion of individuals paid by the insured person is 80 per cent of the above-mentioned proportion.
The total payment rate is covered by paragraph (iv) of article 42 of this provision, with the proportion of individual payments paid by the insured person: 28 per cent of the active staff and 24 per cent of retirees.
Article 46, when the insured person is hospitalized, the medical costs that exceed the maximum payment threshold for the basic health insurance fund can be addressed through the supplementary insurance and the heavy medical cost support system for the high medical costs.
Article 47 states that the insured person is in a position to stabilize after-school illnesses (or referrals) or to a medical treatment, should be given a hospital or a referral. The medical costs incurred from the hospital for the second day of the diagnosis should be borne by individuals.
Article 48 is not included in the scope of treatment for basic health insurance due to work injury and the medical costs required for maternity are carried out in accordance with the relevant provisions of the provinces, municipalities.
Chapter VI Other medical safeguards
Article 49, in my city, establishes a supplementary insurance for high medical costs and a heavy medical cost subsidy system that helps the insured to address some of the high medical costs. The insured person enjoys the corresponding treatment as required to participate in the supplementary insurance for high medical costs.
Under article 50, civil servants receive medical benefits from civil servants on the basis of their participation in basic health insurance.
Article 50 does not include the coverage of the civil service medical assistance and may establish a supplementary health insurance system under the relevant provisions or take other forms of appropriate mitigation of the medical costs of the employee of this unit.
Article 52 does not apply to the treatment of medical guarantees for the rest of the population, the old-age army, and the medical costs are settled on the basis of the source of funds, which are difficult to pay, with the same financial subsidies.
The funds, subsidies and standards of medical assistance are implemented in accordance with the relevant provisions of the province by the funds, subsidies and standards of the Fund for Medical Assistance, at the first to six levels (including six levels).
Article 53, after taking part in the basic health insurance, should continue to assume the health-care responsibilities of its employees in relation to health-care medical examinations, women's health, family planning, public health prevention, labour protection.
Chapter VII Legal responsibility
Article 54 does not provide for participation in basic health insurance or for the payment of basic health insurance expenses, in accordance with the provisions of the State Department's provisional Social Insurance Regulations.
Article 55 consists of one of the following acts by the Labour and Social Security Administration, which is fined by more than 100 million dollars, and by the Social Insurance Agency for the recovery of the already expenditure health insurance fund:
(i) The illegal use of medical accounts of another person IC card for medical treatment or purchase of medicines;
(ii) To take advantage of the medical certificate by another person, or to transfer his medical certificate to another person;
(iii) The purchase of medicines or other items outside the coverage of the basic health insurance fund, using the funding of the medical account ICK;
(iv) Violations of cash collections from individual medical accounts;
(v) Refeiting, changing medical instruments or vouchers for medical expenses;
(vi) Removal of medical insurance funds by taking or intercepting.
Article 56 quantified medical institutions and their staff have one of the following acts, which are fined by the labour and social security administration for more than 1000 dollars, which can be criticized by the media for the direct responsible supervisors and other direct responsibilities, and which are responsible for the recovery of the already spent health insurance fund by the social insurance agencies; in serious circumstances, the suspension of the labour and social security administration or the removal of the eligibility for medical insurance:
(i) Include medical costs for non-insecution personnel in the coverage of the basic health insurance fund and other supplementary insurance payments, or include medical costs outside the coverage of the basic health insurance fund and other supplementary insurance payments;
(ii) The medical costs to be paid by individuals in the integrated accounts of the basic health insurance fund or should be transferred from the medical expenses paid by the integrated accounts of the basic health insurance fund to the individual insured person;
(iii) Reimbursement for medical expenses, or forfeiture, alteration of medical instruments, cost documents, etc.;
(iv) In-patient treatment will be arranged by the insured person who does not meet the standards of hospitalization, or by the insured person who is in compliance with the standards of the board to remain in the hospital;
(v) Inadequate quantification, collusion of medicines, theft of condom medicines or medical materials;
(vi) There is no strict enforcement of the regular and technical operation of the medical treatment, or non-compliance with the provisions of the referral chamber or non-payment of medical fees.
The targeted medical institutions violate laws and regulations such as health, medicines, goods and taxes, which are governed by the law by the relevant administrative organs. In serious circumstances, the Labour and Social Security Administration has removed the eligibility for medical insurance.
Article 57 provides for one of the following acts by the pharmacies and their staff, which are fined by the labour and social security administration for more than 1000 dollars and are charged by the social insurance agencies for the recovery of the already incurred health insurance fund; in the case of serious circumstances, by a suspension of the labour and social security administration or the removal of the eligibility for medical insurance:
(i) The sale of medicines by side;
(ii) Include costs outside the coverage of the basic health insurance fund in the coverage of the individual medical accounts;
(iii) Reimbursement of vouchers such as falsification, alteration of information on the sale of medicines or statement of fees;
(iv) To allow or condon the insured person to extract cash from the personal medical accounts.
The customized retail pharmacies violate the laws and regulations of health, medicine, goods and taxes, which are regulated by law by the relevant administrative organs. In serious circumstances, the Labour and Social Security Administration has removed the eligibility for medical insurance.
Article 588 Medical establishments or customized retail pharmacies hinder the implementation of the health insurance system by the Labour and Social Security Administration, either by means of a request for inspection-related information, or by a disciplinary order or by the executive branch of the labour and social security, or by a period of time; in exceptional circumstances, a moratorium or the removal of the eligibility for medical insurance.
Article 599 of the Social Insurance Agency and its staff violates this provision by misappropriation of the health insurance fund and their intention to pay, reduce or increase the cost of health insurance treatment, and by the executive branch of the labour and social security for administrative disposition of the responsible person or other person directly responsible; constituting a crime, the judiciary is responsible for its criminal responsibility.
Article sixtieth does not carry out specific administrative acts by the parties against the labour and social security administration or the social insurance agencies, which may apply for administrative review or administrative proceedings in accordance with the law.
Chapter VIII
Article sixtieth provides for the administration of medical assistance for civil servants, supplementary insurance for high-level medical costs and medical expenses for serious illnesses, and the treatment of specific illnesses.
The targeted medical institutions and the pharmacies management approach, the custodian's treatment for medical purchases, the medical cost settlement approach, etc., are developed by the municipal labour and social security administrations in conjunction with sectors such as finance, health, medicine surveillance.
In accordance with article 62, the criteria for the collection of basic health insurance fees, the payment criteria for the basic health insurance fund and the maximum payment limits, the basic health insurance treatment standards are adjusted and approved and published by the Government of the city after the adjustment programme is developed by the municipal labour and social security administration.
Article 63 of this provision refers to the salary, salary of the insured person's declaration of the personal income tax; the annual insurance year is 1 July to 30 June each year.
Article 63 quantification of medical costs resulting from the pandemic and natural disasters of sudden-on diseases is addressed in an integrated and coordinated manner by the Government of the city.
Article 55 of this provision is interpreted by the municipal labour and social security administration.
Article 46 The provisional provision for basic health insurance for workers in the economic special zone was repealed by the Government of 29 November 2000.