Table 2 The various health insurance schemes in Baoji City
| Items | UEBMI | URBMI | NRCMS |
|---|---|---|---|
| Inception year | 1999 | 2007 | 2004 |
| Enrolment unit/type | Individual/Mandatory | Individual/Voluntary | Individual/Voluntary |
| Eligible population (thousands) | 536.4 | 483.6 | 2733.7 |
| Number of people (thousands) | 526.9 | 476.1 | 2728.2 |
| Population coverage (%) | 98.2 | 98.4 | 99.8 |
| 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 400 per person per year for residents (including government contributions) | CNY 230 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 & SOCIAL POOLING FOR CATASTROPHIC DISEASE
• Deductible: CNY 150-CNY 600 • Reimbursement rate: 60–90% • Ceiling CNY 30,000 per person per year |
INPATIENT & SOCIAL POOLING FOR CATASTROPHIC DISEASE
• Deductible: CNY 180-CNY 1500 • Reimbursement rate: 45–85% • Ceiling: CNY 30,000 per person per year OUTPATIENT • Reimbursement rate: 55–65% • Ceiling: 40*number of insured per household |
| Out-of-pocket health expenditures | 34.1% (approximately CNY 2978 for residents) | ||