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基本医疗服务是指医疗保险制度中对劳动者或社会成员最基本的福利性照顾,目标是保障劳动者或社会成员基本的生命健康权利,使劳动者或社会成员在治病过程中按治疗要求得到基本治疗。在我国,基本医疗保险是解决劳动者或社会成员基本医疗服务的主要形式,基本医疗保险水平是与我国社会主义初级阶段的生产力水平相适应,基本医疗保险统筹基金和个人帐户均有各自的支付范围,国家确定统筹基金的起付标准和最高支付限额,起付标准以下的医疗费用,从个人帐户中支付或由个人自付;起付标准以上、最高支付限额以下的医疗费用,主要从统筹基金支付,个人也要负担一定比例。由于病伤的严重性和特殊医疗需要,实际医疗费用可能超过最高支付限额,需要商业医
Basic medical services refer to the most basic welfare care provided to laborers or members of the community in the medical insurance system. The objective is to guarantee the basic rights to life and health of laborers or members of the society so that laborers or members of society will be treated according to treatment requirements Get basic treatment. In our country, the basic medical insurance is the main form to solve the basic medical service for laborers or members of the society. The basic medical insurance level is in line with the productivity level in the primary stage of socialism in our country. The basic medical insurance fund and individual account all have their own payment Scope, the state determines the standard pooling fund and the maximum payment limit, starting from the standard medical costs, from individual accounts or by individuals pay; starting from the standard, the maximum payment of the following medical expenses, mainly from the co-ordination Funds paid, individuals also have to pay a certain percentage. Due to the seriousness of the illness and special medical needs, the actual medical costs may exceed the maximum payment limit, requiring commercial medical