During the period when the state advocates that a couple can only have one child, parents or only children who have applied for an only child certificate or an honorable certificate for parents of only one child can enjoy the incentive policies formulated by the state, provinces, municipalities directly under the Central Government and autonomous regions, but whether they can enjoy the preferential policies for medical insurance treatment after paying medical insurance, there is currently no policy provision in this regard.
Medical care in the mainland is divided into urban workers' medical insurance, urban and rural residents' medical insurance, no matter which kind of medical insurance is paid, it is paid in accordance with the provisions of the local medical insurance system, and according to the provisions of the medical insurance system, enjoy the treatment of medical insurance. The treatment of medical insurance for urban workers is mainly reflected in three aspects. The first is to enjoy the treatment of outpatient personal accounts; the second is to enjoy the treatment of proportional reimbursement of special outpatient medical expenses; and the third is to enjoy the treatment of proportional reimbursement of hospitalization expenses. The treatment of urban and rural residents' medical insurance is mainly reflected in two aspects, one is to enjoy the treatment of special outpatient clinics and chronic disease outpatient clinics according to proportional reimbursement; the other is to enjoy the treatment of proportional reimbursement of hospitalization expenses.
Judging from the current composition of the population, most of the families in the past were only children, especially the three generations of the post-80s, post-90s and post-00s, most of the people in the cities are only children, and some of them belong to the only children in the countryside. Like our parents in the 50s, 60s, and 70s, friends who worked in the workplace were basically only parents.
After the parents of only children and the only child participate in the work, the employer must pay for the employee medical insurance, the proportion of medical insurance must be in accordance with the provisions of the overall planning area, by the employer and the individual employee in proportion, the individual basically according to their actual salary as the payment base, the payment ratio of 2%, from the perspective of payment method, this is without any preferential policies, whether you are an only child parent, or an only child, in the same unit of the staff, the payment ratio is the same.
As long as the only child or the parents of the only child who pay the medical insurance for urban and rural residents do not belong to the families with disabilities stipulated in the medical insurance system for urban and rural residents, the families of the extremely poor people must pay the fees every year in accordance with the regulations before they can enjoy the treatment of medical insurance. Judging from the incentive policies stipulated in the Population and Family Planning Law and the regulations on population and family planning in various localities, there are no preferential policies in the payment and treatment of medical insurance.
From the perspective of medical reimbursement treatment, the reimbursement scope of hospitalization expenses is above the minimum payment standard, and the compliant medical expenses within the maximum reimbursement limit are basically determined according to the level of the hospital and the age structure of the insured. For example, according to the provisions of the Wuhan Municipal Measures for the Basic Medical Insurance for Urban Workers, the medical expenses are paid by the pooled fund and the individual employees according to the level of medical institutions, and the proportion of the retirees' individual out-of-pocket medical expenses is 80% of the individual out-of-pocket payment ratio of the employees. The pooled fund of the first-level medical institution pays 88% and the individual employee pays 12%; the second-level medical institution pooling fund pays 85%, and the individual employee pays 15%; the third-level medical institution pooling fund pays 82%, and the individual employee pays 18%.
Judging from this provision of Wuhan City, the reimbursement ratio of the medical insurance fund for hospitalization expenses is mainly considered in terms of hospital grade and age structure, which is mainly divided into two factors: active employees and retirees, and there is no provision that only children or parents of only children can increase the reimbursement ratio.
In summary, whether in 2022 or in the past, only children or only child parents must pay medical insurance in accordance with the provisions of the medical insurance system of the co-ordination district before they can enjoy the relevant treatment of medical insurance.