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Table 2 comparison of before and after the reform on MWHI in Beijing, shanghai and Shenzhen

From: Barriers of effective health insurance coverage for rural-to-urban migrant workers in China: a systematic review and policy gap analysis

  Shangha i[92,93,94,95,96] Beijin g[97,98,99] Shenzhe n[100,101,102]
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
Portability, in the view of RUMWs [64, 70, 73, 77] No Quite low No Quite low No Quite low Low Low
Membership selectivity [38, 64, 71]         
 Employee Low High Low High Low High Moderate Moderate
 Government Low High Low High Low High Moderate Moderate
  1. a Limited-payment whole-life health insurance refers to the insurance plan that has a fixed period, in which an insurance holder pays premiums for the policy. Once the holder reaches the target years, premiums are no longer required but the policy’s benefits last the insured’s entire life. Limited-duration health insurance refers to the plan with a limited duration, paid by years or less