Table 7 Comparison of basic medical insurance between BMISUE and BMISURR
BMISUE | BMISURR | ||
|---|---|---|---|
BMISUR | NRCMS | ||
Establishment time | 1998 | 2007 | 2003 |
Covering | all urban employers and their employees; informal employment and flexible employment | all nonemployed urban residents: students in primary and secondary schools, children and other nonemployed urban residents | all rural residents |
Coordination level | city-level or county-level coordination | city-level coordination | county-level coordination |
Fund-raising channels | the employer and the employees jointly pay, in which the employer’s contribution rate is 6% of the employee’s salary | the individual contribution rate is 2% of the employee’s salary | The individual payment and the government subsidy are combined |
Per capita funding level (2014) | 3820.1 yuan | 524.4 yuan (government subsidy: 461.2 yuan, personal burden: 63.2 yuan) | 410.9 yuan (government subsidy: 355.2 yuan, personal burden: 55.7) |
No. of participants (2014) | 282.96 million | 314.59 million | 737.00 million |
Average hospitalization reimbursement rate in the catalogue (2014) | 80% | 75% | 70% |
Reimbursement cap | 6 times the average social wage of employees in the city | 6 times the disposable income of local people | 6 times the per capita net income of local farmers |