Table 2

Health insurance arrangements in participating municipalities (2014)

BeijingNingboHarbinChongqing
Premium contribution
BMIUE Employer:10% salary9% salary6% salary8% salary
Employee:2% salary2% salary2% salary2% salary
Self-employed:¥1702.2 without an individual saving account;
¥3744.84 with an individual saving account
BMIUR Government subsidy:¥1000 per head¥150*, ¥200, ¥400, ¥500§ or ¥1800 ¥60§,†,*,**, ¥80††, ¥256¶,‡‡ or ¥270‡¥240 per head
Individual:¥160§,†,*,**, ¥360¶,‡‡ or ¥660 ¥100*,†, ¥400§ or ¥600‡,¶ ¥10††, ¥30*,†,§,**, ¥60 or ¥65¶,‡‡,§§ ¥60 or ¥150
NCMS Government subsidy:≥¥900 per headIntegrated with BMIUR¥320 per headIntegrated with BMIUR
Individual:≥¥100Integrated with BMIUR¥70Integrated with BMIUR
Deductible line
BMIUE Outpatient:¥1800¥500 for retired; ¥1000 for over 45 years; ¥1500 for under 45 years–-
Inpatient:¥1300¥800¶¶, ¥1000*** or ¥1200††† ¥240, ¥480*** or ¥720††† ¥200, ¥440*** or ¥880†††
BMIUR Outpatient:¥650
Inpatient:¥650§,† or ¥1300¶,‡,*,**,‡‡,§§,†† ¥300¶¶, ¥600*** or ¥900††† ¥200‡‡‡, ¥240§§§, ¥480*** or ¥720††† for adults;
¥150‡‡‡, ¥200§§§, ¥300*** or ¥400††† for children and students
¥100¶¶, ¥300*** or ¥800†††
NCMS Outpatient:¥100¶¶ or ¥550***Integrated with BMIURIntegrated with BMIUR
Inpatient:¥300¶¶, ¥1000*** or ¥1300††† Integrated with BMIUR¥100¶¶¶, ¥400‡‡‡,§§§,***,****, ¥600†††† or ¥1000‡‡‡‡ Integrated with BMIUR
Reimbursement rate
BMIUE Outpatient:70%***,††† or 90%¶¶ 75%†††, 80%*** or 85%¶¶ 100%100%
Inpatient:85% for ≤¥3000 or ≥¥100 000; 90% for ¥30 000–¥40 000; 95% for ¥40 000–¥100 00080% for ≤¥35 000; 85% for ¥35 000–¥70 000; 90% for ≥¥70 00088%†††, 91%*** or 94%¶¶ 85%†††, 87%*** or 90%¶¶
BMIUR Outpatient:50%30%†††, 45%*** or 60%¶¶ 50%100%
Inpatient:70%68% for ≤¥20 000; 73% for ¥20 000–¥40 000; 78% for ≥¥40 00050%†††, 55%***, 60%§§§, 65%‡‡‡ for adults;
70% for children and students
40%†††, 60%*** or 80%¶¶ for ¥60 premium;
45%†††, 65%*** or 85%¶¶ for ¥150 premium
NCMS Outpatient:30%†††c, 40%*** or 55%¶¶ Integrated with BMIUR90%Integrated with BMIUR
Inpatient:50%†††, 70%*** or 80%¶¶ Integrated with BMIUR45%‡‡‡‡, 65%††††, 70%‡‡‡,§§§,***, 75%**** or 90%¶¶¶ Integrated with BMIUR
Maximum payouts
BMIUE Outpatient:¥20 000Individual saving account only.Individual saving account only.
Inpatient:¥300 000¥250 000¥500 000
BMIUR Outpatient:¥2000¥3000¥200¥60
Inpatient:¥170 000¥250 000¥110 000¥80 000 for ¥60 premium;
¥150 000 for ¥150 premium
NCMS Outpatient:¥3000Integrated with BMIURThe amount of family insured member× ¥20Integrated with BMIUR
Inpatient:¥180 000Integrated with BMIUR¥80 000Integrated with BMIUR
  • *For college students.

  • †For children 6–17 years old.

  • ‡For unemployed.

  • §For children under 6 years.

  • ¶For elderly.

  • **For non-college students.

  • ††For poor or disabled children/students.

  • ‡‡For disabled.

  • §§For poor.

  • ¶¶For primary hospitals.

  • ***In secondary hospitals.

  • †††In tertiary hospitals.

  • ‡‡‡In primary health institutions in urban communities.

  • §§§In primary hospitals in cities.

  • ¶¶¶In appointed primary health institutions in townships.

  • ****In primary health institutions in counties.

  • ††††In tertiary hospitals at municipal level.

  • ‡‡‡‡In tertiary hospitals at provincial level.

  • BMIUE, Basic Medical Insurance for Urban Employees; BMIUR, Basic Medical Insurance for Urban Residents; GDP, gross domestic product; NCMS, New Rural Cooperative Medical Scheme.