Health insurance in China can be a confusing and overwhelming topic for both locals and foreigners. The country has a multi-tiered system that combines both public and private options, and the coverage and costs vary depending on a person’s employment status and location.
China’s public health insurance system, known as the “New Cooperative Medical Scheme,” is primarily for rural residents and covers about 95% of the population. It is funded by both the central and local governments, as well as individual contributions from participants. The coverage includes basic medical care, including hospitalization, surgeries, and prescription drugs, but the reimbursement rates are low and patients often have to pay out-of-pocket for additional expenses.
Urban residents have access to a different public health insurance program called the “Urban Employee Basic Medical Insurance” (UEBMI). This program is mandatory for people who are employed in the urban areas and their employers are required to contribute to the program. The UEBMI covers more services than the NCMS and has higher reimbursement rates. However, it still has some limitations and many urban residents choose to supplement it with private health insurance.
Private health insurance in China is relatively new and still developing. It is mainly offered by foreign and domestic insurance companies and can provide more comprehensive coverage than the public options. However, it is often more expensive and may not be accessible to everyone.
Overall, the health insurance system in China is constantly changing and evolving. It is important for individuals to understand their options and take the time to research and compare the different plans available to them. While the public health insurance can provide basic coverage, many people choose to supplement it with private insurance to ensure they have the protection they need.
It is also worth noting that China’s healthcare system is facing challenges, such as the high cost of medical treatment and the shortage of medical resources in rural areas. The government is working to improve the system, but it will take time to see the full effects of these efforts.