Table 1 Summary of basic health insurance schemes in China in 2013
UEBMI | URBMI | NRCMS | |
|---|---|---|---|
Basic information | |||
Year of launch | 1999 | 2007 | 2003 |
Target population | Urban employees in formal sectors | Urban residents without formal jobs or unemployed: children, students, elderly people | Rural residents |
Enrolment type | Compulsory | Voluntary | Voluntary |
Enrolment (n, %) | 274.16million (37.50%) | 299.06 million (40.90%) | 0.80 billion (98.70%) |
Administration | Chinese Ministry of Human Resources and Social Security | Chinese Ministry of Human Resources and Social Security | Chinese National Health and Family Planning Commission |
Risk-pooling units | Municipal level, 2856 Risk-pooling units | Municipal level, 333 Risk-pooling units | County level, 333 Risk-pooling units |
Benefit packages | |||
Service coverage | A Social Pooling Account for inpatient care and an Individual Account for outpatient care (generous) | A Social Pooling Account for inpatient care and a Household Account for critical outpatient care (i.e. chronic or fatal disease) (limited) | NRCMS included a Social Pooling Account for inpatient care and a Household Account for critical outpatient care (i.e. chronic or fatal disease) (limited) |
Total premium per person | – | RMB 380(US$61.29) | RMB370(US$59.68) |
Government subsidy per person | 0 | RMB 260(US$41.94) | RMB 280(US$45.16) |
Individual contribution | 2–3% of salary | RMB 120(US$19.35) | RMB 90(US$14.52) |
Employer contribution | 6–8% of salary | 0 | 0 |
Actual reimbursement ratio (Inpatient care) | 68.8% | 53.62% | 50.15% |