Table 1 The various health insurance schemes in China
Items | UEBMI | URBMI | NRCMS |
|---|---|---|---|
Inception year | 1998 | 2007 | 2003 |
Enrolment unit/type | Individual/andatory | Individual/Voluntary | Individual/Voluntary |
Eligible population (millions) | 393.1 | 356.1 | 744.2 |
Number of people (millions) | 283.0 | 314.5 | 736.0 |
Population coverage (%) | 72.0 | 88.3 | 98.9 |
Source of funding | Employer (6%) + employee (2%) contribute from the employee’s total bill in the previous year; retired workers are exempted from premium contributions. | CNY 410 per person per year for residents (including government contributions) | CNY 410 per person per year for residents (including government contributions) |
Benefit packages | INPATIENT & CRITICAL OUTPATIENT • Deductible: Approximately 10% of local employees’ annual average wages • Reimbursement rate: 70–95% • Ceiling: 4 times the local employees’ annual average wages | INPATIENT & CRITICAL OUTPATIENT • Deductible: CNY 540-CNY 980 • Reimbursement rate: 50–75% • Ceiling: CNY 16,000 per person per year | INPATIENT & OUTPATIENT (Note: Deductible, reimbursement rate and ceiling are varied across cities/counties and medical institute levels) |
Out-of-pocket health expenditures | 32% (approximately CNY 3235 for urban, CNY 1274 for rural) | ||