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Table 2 The various health insurance schemes in Baoji City

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 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)
  1. Source: Baoji Bureau of Statistics, 2015-3-20
  2. Baoji People’s Government, 2014-6-26