Three Dimensions of Flexible Employees Participating in Employee Medical Insurance from the Perspective of High-Quality Development
The participation of flexible employees in employee medical insurance is an inherent requirement for promoting the high-quality development of the social insurance system.From the perspective of insurance coverage,the participation of flexible employees in employee medical insurance is not only a legal consideration based on the logic of"paid employment"participation in group social insurance,but also a necessary measure to expand the coverage of basic medical insurance and protect the right to medical insurance benefits for flexible employees.From the perspective of premium payment,the restrictions on the property rights of flexible employees under employee medical insurance should be reviewed within the framework of the proportionality principle.In the future,on the basis of achieving short-term"each insured has its own insurance",the payment burden of flexible employees can be reduced by lowering the lower limit of the payment base,establishing flexible payment methods,and strengthening premium subsidies.From the perspective of benifit payment,the waiting period for medical insurance benefits should be gradually eliminated based on the statutory debt attribute of the legal relationship of employee medical insurance,the minimum cumulative premium payment years should be unified to ensure the retirement medical insurance benefits payment of flexible employees,and a medical insurance disease allowance system for employees should be established to fill the income loss caused by illness for flexible employees.
flexible employeesemployee medical insurancehigh-quality developmentprinciple of proportionalitymedical insurance disease allowance
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