If Li Xuewu falls ill, what are the expenses involved in going to the hospital to register, see a doctor, and be hospitalized?

Yes, there must be expenses. Publicly funded medical care does not mean full medical coverage.

As for one-sided historical statements and life experiences, they cannot be fully trusted.

It cannot be denied that some units have better welfare compensation or insurance subsidies, and this situation cannot be generalized.

The current urban medical security system has undergone three stages of change.

That is, the "Huamin Labor Insurance Regulations" promulgated by the Government Affairs Council in February 2019 marked the establishment of the labor insurance system for urban enterprise employees in China.

In 1958, the Government Affairs Council promulgated the "Interim Provisions on the Retirement Treatment of Workers and Employees (Draft)", which is the so-called pension insurance.

In February 1969, the Ministry of Finance issued the "Opinions on the Reform of Several Systems in the Financial Work of State-owned Enterprises (Draft)".

The sequence of changes in the above three periods.

What Hongxing Factory and other industrial enterprises are currently preparing for and experiencing is the third reform of labor insurance.

Is it complicated?

It's very complicated, a process of change from nothing to something, from something to excellence.

The last reform of the labor insurance system continued into later generations.

Then again, when Li Xuewu goes to see a doctor, what medical preparations and steps should he follow?

Looking at the first period, that is, after the establishment of labor insurance, we must first judge Li Xuewu’s identity and treatment characteristics.

Li Xuewu is a cadre and is under the unified management of the Personnel Bureau, so he and his family members should receive a "Public Medical Care Certificate".

Use this certificate to go to the designated hospital for treatment, and the medical expenses and medicines will be recorded, and the hospital will reimburse the financial department uniformly.

However, registration fees and hospitalization fees must be paid by yourself.

If Li Xuewu is an ordinary worker managed by the Labor Bureau, then the labor insurance and medical care will be coordinated and managed, and most medical projects will be free of charge.

This is the medical security situation of urban enterprise employees in the early days of the establishment of the "Labor Insurance" system.

The promulgation of the "Labor Insurance Regulations" also marked the establishment of the labor insurance system for urban enterprise employees in China.

It has three characteristics, namely:

(1) Labor insurance covers all types of enterprises, but later due to the pursuit of "one big and two public" in the ownership structure, labor insurance gradually became the privilege of enterprises owned by the whole people;

(2) The enterprise must pay 3% of the total wages of employees as labor insurance premiums on a monthly basis, of which 30% is turned over to the All-China Federation of Trade Unions as a labor insurance coordinating fund, and 70% is deposited in the grassroots trade union committee of the enterprise as a labor insurance fund;

(3) Since the labor insurance system supplements the low wages of the planned economy, it provides relatively comprehensive protection for enterprise workers.

Different from this, the social security system of government agencies and institutions is established in the form of promulgating individual regulations.

Hongxing Factory is not a government agency, so I won’t go into details here.

So what has changed after entering the second stage of labor insurance system reform?

First, pension insurance is moving from separation to unification.

Before 1958, the urban pension insurance system was divided into pension insurance for enterprise employees and pension insurance for government agencies and institutions.

The two are established on different grounds, and there are also differences in funding sources and benefits.

However, this state of separation did not last. In 1958, the Government Administration Council promulgated the "Interim Regulations on the Retirement Treatment of Workers and Employees (Draft)".

It stipulates that the coverage of pension insurance includes workers and employees of all enterprises, government institutions and people's organizations.

This actually unifies the pension insurance systems of enterprises and government agencies.

Second, the separation of medical insurance.

The traditional urban medical insurance system mainly includes public medical care and labor insurance medical care.

That is to say, as mentioned earlier, which verification channel Li Xuewu needs to go for medical treatment is divided according to his status.

Some readers said that there were differences in the medical care that their elders enjoyed in that era.

The differences here mainly come from differences in status and differences in unit subsidies.

Personnel managed by the Personnel Bureau and the Labor Bureau enjoy different benefits.

Among them, public medical care is mainly for government agencies and institutions, and labor insurance medical care is mainly for enterprise employees.

The two are also different in terms of funding sources and management.

However, as the number of people covered by the system increases and free medical care is basically implemented, the problem of rising costs becomes more and more serious.

The country has made some changes in this regard, but the effect is not obvious.

As the main unit, the Red Star Factory is responsible for the management and operation of the labor insurance and medical system. It has the right and obligation to maintain and ensure the development of this system in a better direction.

Therefore, Li Huaide and other factory leaders had to set aside a meeting time to discuss and study this issue.

Third, there are two work-related injury insurance systems.

The traditional work-related injury insurance system is also oriented to enterprises and government institutions.

The work-related injury insurance system for enterprise employees is established in accordance with the "Labor Insurance Regulations" and is an integral part of the labor insurance for urban employees.

The regulations on the work-related injury insurance system in government agencies and institutions were first seen in the "Interim Regulations on the Compensation and Compensation for Casualties of Revolutionary Workers" promulgated on December 11, 1950. Later, it was revised three times, and the standard benefits were gradually increased.

From the above analysis of the "Labor Insurance Regulations", we can see that as early as the first decade after the founding of the People's Republic of China, the insurance system for urban enterprise employees had already been established.

Pension insurance, medical insurance, work-related injury insurance.

Among them, pension insurance was the first to be unified, while medical insurance and work-related injury insurance have been divided into enterprises and government institutions.

Which insurance is better for enterprises or government agencies?

Ask an old man if he is assigned after graduation whether he would like to go to a company or an institution, and you will have the answer.

In essence, the social security system established by the "Labor Insurance Regulations" is a "state-enterprise insurance" system model.

That is, the state is the main body of implementation and management, and the state and enterprises jointly bear the costs, thus forming a social security model integrating the state and enterprises.

Its main features are:

This chapter is not finished yet, please click on the next page to continue reading the exciting content! (1) Large coverage and comprehensive protection.

According to statistics, the number of employees enjoying labor insurance benefits in 1956 was equivalent to 94% of the total number of employees in state-owned, public-private joint ventures, and private enterprises in that year.

At the same time, because the labor insurance system supplements the low-wage system, it provides urban residents with a "cradle to grave" security program.

(2) Enterprises are dependent on the state, and the state bears unlimited liability.

This has been changed in later generations, and I believe everyone knows that there is no such thing as an iron rice bowl.

Even if the grave doesn't care about you, do you think young people still need to prepare a cradle?

Not giving birth has absolutely something to do with the system.

(3) Combine trade union management, state coordination and enterprise insurance.

In specific implementation, 30% of the labor insurance premiums paid by enterprises are managed by the All-China Federation of Trade Unions, which is in fact coordinated by the state.

The remaining 70% is managed by the grassroots trade union of the enterprise and used within the enterprise. It is actually a kind of enterprise insurance.

When the development of labor insurance reaches this point, there is actually a problem.

Li Huaide wanted to win over people's hearts quickly and establish absolute management belief and reputation.

What is the most effective and fastest way to unite beliefs and enhance reputation?

That is to improve welfare benefits.

When one day, your boss informs you that there will be no salary increase this year, there will be a cry of mourning.

But the boss said again that starting from today, the company will cover all employees’ medical care, pension, child care, transportation, communications, living expenses, etc. Do you want to give your boss a thumbs up?

What's the point of having a salary? Earning a salary is just for living. Now the company takes care of all your life. The salary is more or less, and it's enough to have a little pocket money.

What Li Huaide wants to do now is to quickly improve the mass base.

It’s not just Li Huaide. Since the launch of the Great Learning Campaign, other companies and factories have undergone changes in their management.

Once people go up, whether they can sit firmly or not is another matter.

What they want to do now is to stabilize their own butts and not hesitate to overdraft the life of the company.

What are the advantages of the "state-enterprise insurance" model?

Even if there are people who protect the company, no matter how many workers there are, they are not afraid. Even if the factory goes bankrupt, these workers can still enjoy the benefits of the insurance system.

Do you think future generations will be like this too?

Wrong, totally wrong.

The insurance system of later generations is social insurance, which is not as reliable as the current insurance system.

Regarding social pension and medical insurance, are you worried about not being able to receive insurance benefits until you die?

There is no need to worry now, and retirement security is much higher than social insurance.

Readers who don’t believe it can ask retired cadres in their 70s or 80s. Some of them are still enjoying the insurance system of that year.

As mentioned earlier, who manages the insurance?
To be continued...