Table 2 Comparison of the health insurance schemes in the four cities

NRCMS

The minimum deduction line and the correspongding deduction rate

First-level and second-level designated hospitals: 100RMB; for ≦10000: 65% for (<10000)≦20000: 70% for (<20000)≦30000: 75% for >30000: 85% third-level designated hospitals: 300RMB, 60% for ≦10000: 55% for (<10000)≦20000: 60% for (<20000)≦30000: 70% for >30000: 80% outside-city designated hospitals: 500RMB, 45%

First-level designated hospitals: 300 RMB second-level designated hospitals: 500 RMB third-level designated hospitals: 700 RMB for male ≥60 years old or female ≥55 years old, the reimbursment rate is 95%; for the rest, the reimbursement rate is 90%

First-level designated hospitals: 50 RMB, 80% second-level designated hospitals: 200 RMB, 65% third-level designated hospitals: 600RMB, 40%

First-level designated hospitals: 300 RMB, 70% second-level designated hospitals: 400 RMB, 60% third-level designated hospitals: 500 RMB, 45%

The maximum deduction line

100000 RMB

30000 RMB

30000RMB

30000RMB

URBMI

The minimum deduction line and the correspongding deduction rate

As Changshu has integrated NRCMS with URCMS, they share the same standards

First-level designated hospitals: 400 RMB, 85% second-level designated hospitals: 600 RMB, 75% third-level designated hospitals: 1200 RMB, 50%

First-level designated hospitals: for adults and aged residents:200RMB, 90% for students and juveniles: 100 RMB, 90% second-level designated hospitals: for adults and aged residents:400 RMB, 80% for students and juveniles: 200 RMB, 85% third-level designated hospitals: for adults and aged residents:600 RMB, 75% for students and juveniles: 300 RMB, 78%

First-level designated hospitals: 500 RMB second-level designated hospitals: 800 RMB third-level designated hospitals: 1200 RMB for adults and aged residents: ≦2000: 55% (>2000)≦5000: 60% (>5000)≦10000: 65% (>10000)≦30000: 70% for students and juveniles: ≦5000: 65% (>5000)≦10000: 70% (>10000)≦30000: 75% (>30000)≦50000: 80%

The maximum deduction line

160000 RMB

For adults and aged residents:80000 RMB; for students and juveniles: 125000 RMB

For adults and aged residents:30000 RMB; for students and juveniles: 50000RMB

UEBMI

The minimum deduction line and the correspongding self-payment ratio

For in-service employees: first-level designated hospitals: 400 RMB second-level designated hospitals: 600 RMB third-level designated hospitals: 1000 RMB for retired employees: the minimum deduction line is half of the corresponding in-service employees minimum deduction line ≦10000: 12.8% (>10000)≦30000: 9.6% (<30000)≦50000: 6.4%

For in-service employees: first-level designated hospitals: 400RMB; 2% second-level designated hospitals: 600RMB; 10% third-level designated hospitals: 1200RMB; 15% for retired employees: irst-level designated hospitals: 300RMB; 0% second-level designated hospitals: 500RMB; 7% third-level designated hospitals: 1000RMB; 15%

For in-service employees: first-level designated hospitals: 300 RMB; 6% second-level designated hospitals: 500 RMB; 7% third-level designated hospitals: 800RMB; 12% for retired employees: irst-level designated hospitals: 300 RMB; 3% second-level designated hospitals: 500 RMB; 4% third-level designated hospitals: 800 RMB; 9%

The minimum deduction line is based on the average salary of Changchun last year first-level designated hospitals:9% second-level designated hospitals: 500RMB; 12% third-level designated hospitals: 800RMB; 15%

The maximum deduction line

50000 RMB

200000 RMB (including supplemented insurance)

100000 RMB

4 times of the average salary of Changchun last year