In recent years, various localities have introduced a number of policies and measures to break household registration restrictions and promote key groups such as flexible employees, migrant workers, and people with new employment forms to participate in basic medical insurance.
Chengdu has removed the household registration threshold for basic medical insurance and clarified that migrant workers with flexible employment, together with their family members, can participate in the insurance at the place of employment and enjoy the same medical insurance benefits as local residents. Ms. Li, a migrant business owner who has been running a noodle shop in Wenjiang District for more than ten years, has been insured in her hometown before, and medical treatment in Chengdu is considered to be medical treatment in another place. After she participated in medical insurance in Chengdu in 2022, her medical burden was greatly reduced.
Ms. Li, a migrant merchant in Wenjiang District, Chengdu: Her health has not been good in the past few years. She spent more than 30,000 yuan to stay in the hospital three times and paid more than 20,000 yuan in reimbursement. The national policy is really good.
Jiangsu Province has made it clear that individuals with flexible employment, such as self-employed individuals, part-time employees, and employees in new businesses, can participate in employee medical insurance based on their personal status. The payment base for flexible employment personnel can be determined based on 60% of the average salary of employees in urban units in the province in the previous year. People with employment difficulties who pay social security fees can enjoy social security subsidies of up to two-thirds according to regulations. For flexible employment personnel who change their employment relationship within the province, the payment period will be automatically calculated by the information system. The local area also includes flexible employment personnel into the coverage of maternity insurance, and can enjoy reimbursement of maternity medical expenses and maternity allowances.
Zhao Peng, Director of the Medical Insurance Center of Jiangsu Provincial Medical Insurance Bureau: As of the end of July this year, the number of people covered by basic medical insurance in the province was 81.081 million, and the number of people covered by employee medical insurance was 36.538 million, of which 6.353 million were in flexible employment. This will continue to consolidate the work of universal insurance coverage and effectively protect the basic medical needs of groups such as flexible employment.
Currently, many domestic e-commerce platforms are implementing an employee medical insurance payment model of "individual payment + platform subsidy" for employees such as delivery workers and riders who receive stable orders. In Shanghai, a food delivery platform has launched medical and pension insurance subsidies for all delivery workers, regardless of full-time or part-time workers. The platform refers to the local social security base and provides a minimum of 50% of medical and pension subsidies. Rider Che Zhenyu has been running food delivery for eight years. He participated in basic medical insurance in October last year. As an outstanding employee, he also enjoys full subsidies from the platform.
Rider Che Zhenyu: I pay more than 2,200 yuan for flexible employment social security every month, and then the platform reimburses 100% of it. The annual subsidy is about more than 26,900 yuan, which is equivalent to an increase of 10% of my annual income. I spent more than 260 yuan on medical treatment before, and all of it was the funds in the medical insurance card. At that time, I enjoyed the benefits of medical insurance for the first time. I was very excited. I did not expect to spend a penny.
