Table 2 comparison of before and after the reform on MWHI in Beijing, shanghai and Shenzhen
| Â | ||||||||
|---|---|---|---|---|---|---|---|---|
Before 2011 | After 2011 | Before 2012 | After 2012 | Before 2014 | After 2014 | |||
Category I | Category II | Category III | ||||||
Eligible conditions | ||||||||
 Eligible population | Non-local workers | Local/non-local workers | Non-local workers | Local/non-local workers | Non-local workers | Local/non-local workers | Non-local workers | |
 Contract | Unnecessary | Necessary | Necessary | Necessary | Necessary | Necessary | ||
 Dependence on employee | No | Yes | Yes | Yes | Yes | Yes | ||
Insurance typea | Limited-duration health insurance | Limited-payment whole-life health insurance | Limited-duration health insurance | Limited-payment whole-life health insurance | Limited-duration health insurance | Limited-payment whole-life health insurance | ||
Guarantee period | The following one year | The following one year and future | The following one year | The following one year and future | The following one year | The following one year and future | ||
Account type | Individual account + risk-sharing account | Individual account + risk-sharing account | Risk-sharing account | Individual account + risk-sharing account | Risk-sharing account | Individual account + risk-sharing account | Risk-sharing account | |
Management agency | Commercial insurance company | Social insurance agency | Social insurance agency | Social insurance agency | Social insurance agency | Social insurance agency | ||
Financing strategy | ||||||||
 Minimum financing unit | Employed: employee Self-employed: individual | Employed: employee + employer | Employer | Employee + employer | Employee + employer | Employee + employer | ||
 Financing contribute rate | 12.5% (non-local construction enterprise rate is 5.5%) | Employee: 9.5% Employer: 2% | Employer: 2% | Employee 2% + 3 RMB Employer: 10% | Employee: 4 RMB/month Employer: 8 RMB/month | Employee 2% Employer: 5.2% or 6.2% | Employee 0.2% Employer: 0.6% | Employee 0.1% Employer: 0.45% |
 Total financing amount per unit (RMB/year) | 3485 *12 * 12.5% or 5.5% | 3485 *12* 11.5% | 3485 *12 * 2% | 3485 *12 * 12% + 36 | 12* 12 | 3485 *12 * 7.2% or 8.2% | 3485 *12 * 0.8% | 3485 *12 * 0.55% |
 Bundled with other welfare programs | Pension insurance On-the-job injury insurance | Same with UEBMI | NA | Same with UEBMI | NA | Same with UEBMI | ||
 Employer’s total contribution rate | 12.5% (non-local construction enterprise rate is 5.5%) | 31.2–32.9% | 2% | 30.8–32.5% | 8 * 12 RMB | 18.49–20.49% | 15.16–16.16% | 14.74–15.74% |
 Employee or individual’s total contribution rate | None | 10.50% | None | 10.2% + 3RMB | 4 * 12 RMB | 10.3% | 8.5% | 8.4% |
 Total amount of burden by funders per unit (RMB/year) | Employed: employee: None employer: 2300 or 5228 Self-employed: 5228 | Employed: employee: 4391 employer: 13,048–13,786 Self-employed: Unclear | Employed: employee: None employer: 836 Self-employed: Unclear | Employed: employee: 4320 employer: 12,881–13,592 Self-employed: Unclear | Employed: employee: 48 employer: 96 Self-employed: Unclear | Employed: employee: 4307 employer: 7733–8569 Self-employed: Unclear | Employed: employee: 3555 employer: 6340–6758 Self-employed: Unclear | Employed: employee: 3513 employer: 6464–6582 Self-employed: Unclear |
Covered services | Inpatient + commonly used medicine | Outpatient + Inpatient | Inpatient | Outpatient + Inpatient | Outpatient + Inpatient | Outpatient + Inpatient | ||
 Matching with RUM’s health  needs | Mismatch | Match | Mismatch | Match | Match | Match | ||
Geographic consistency | Consistent | Consistent | Consistent | Consistent | Consistent | Consistent | ||
No | Quite low | No | Quite low | No | Quite low | Low | Low | |
| Â | Â | Â | Â | Â | Â | Â | Â | |
 Employee | Low | High | Low | High | Low | High | Moderate | Moderate |
 Government | Low | High | Low | High | Low | High | Moderate | Moderate |