Medical insurance mainly has the following functions:
1. is conducive to improving labor productivity and promoting production development. Medical insurance is the inevitable result of social progress and production development. The establishment and improvement of medical insurance system will further promote social progress and production development. Medical insurance eliminates the worries of workers at home and makes their work easier, thus improving labor productivity and promoting the development of production; It is also necessary to ensure the physical and mental health of workers and ensure the normal reproduction of labor;
2. In order to adjust the income gap and reflect social equity, medical insurance adjusts the income gap by collecting medical insurance premiums and paying medical insurance service fees, which is an important means for the government to redistribute income;
3. Medical insurance is an important guarantee for maintaining social stability. Giving financial help to sick workers is helpful to eliminate the social unstable factors caused by diseases, and it is an important social mechanism to adjust social relations and social contradictions.
4. The social medical insurance system and social mutual assistance, which are important means to promote the progress of social civilization, embody the new social relationship of "one party is in trouble and p+ supports" by sharing the costs and risks of diseases among the insured, which is conducive to promoting the progress of social civilization;
It is an important guarantee to promote the reform of economic system, especially the reform of state-owned enterprises.
legal ground
People's Republic of China (PRC) social insurance law
Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Part-time employees and other individual industrial and commercial households with flexible employment, who have no employees in the employer and have not participated in the basic medical insurance for employees, can participate in the basic medical insurance for employees and pay the national basic medical insurance premium according to individual regulations. Article 24 The state establishes and improves the new rural cooperative medical system.
Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council. Article 25 The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents is the product of the combination of individual contributions and government subsidies.
The government should give subsidies to those who enjoy the minimum living guarantee, the disabled who have lost their ability to work, and the elderly and minors over 60 in low-income families. Twenty-sixth basic medical insurance for employees, new rural cooperative medical insurance and basic medical insurance for urban residents shall be implemented in accordance with state regulations.