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Table 7 Comparison of basic medical insurance between BMISUE and BMISURR

From: Institutional differences and geographical disparity: the impact of medical insurance on the equity of health services utilization by the floating elderly population - evidence from China

  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
  1. The per capita funding level, the number of participants and the per capita funding expenditure data are from the National Bureau of Statistics. The rest of this form is compiled from national policy documents