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Table 1 Comparison of UEBMI and URBMI policies in Shaanxi Province in 2008

From: The effects of China’s urban basic medical insurance schemes on the equity of health service utilisation: evidence from Shaanxi Province

  UEBMI URBMI
Year of launch 1999 2007
Enrolment unit/type Individual/Mandatory Individual/Voluntary
Sources of revenues The employer contribute 6% of the employee’ salary whilst the employee contribute 2%; the retired are exempt from premium contribution 200 to 350RMB per person per year for residents (including government contributions)
Accounts Medical Savings Account (including employee contributions and 30% of employer contributions) for outpatient utilisation; Social Pooling Account (70% of employer contributions) for inpatient utilisation and critical (i.e. chronic or fatal disease) outpatient utilisation Social Pooling Account (all funds) for inpatient utilisation and critical (i.e. chronic or fatal disease) outpatient utilisation
Benefit package of Social Pooling Account INPATIENT & CRITICAL OUTPATIENT CRITICAL OUTPATIENT
• Deductible: • Deductible:
6%-10% of local employees’ annual average wage 0-350 RMB
• Reimbursement rate:
• Reimbursement rate: 50%-70%
80%-95% • Ceiling:
• Ceiling: 2,000-40,000 RMB
4 times of local employees’ annual average wage INPATIENT
• Deductible:
550-800, 400–600, 300–400 and 150–300 RMB for tertiary, secondary, primary, and community medical institutes, respectively
• Reimbursement rate:
40%-75% for adults; 45%-85% for students and residents under 18 and not attending school
• Ceiling:
24,000-35,000 RMB for adults; 30,000-60,000 for students and residents under 18 and not attending school
Payment method Fee-for-service Fee-for-service
  1. Data resource: Statistical Bulletin of National Economy and Social Development in Shaanxi Province of the Year 2012, Xi’an municipal, and Shaanxi provincial policy documents.
  2. Vary across cities/counties and medical institute levels.