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Table 1 The various health insurance schemes in China

From: The integration of urban and rural medical insurance to reduce the rural medical burden in China: a case study of a county in Baoji City

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)
  1. Source: Ministry of Human Resources and Social Security of the People’s Republic of China, 2015-5-28
  2. National Health and Family Planning Commission of the People’s Republic of China, 2015-11-5
  3. National Bureau of Statistics of the People’s Republic of China, 2015-2-26