第二篇 Passage 2

Read and interpret the following passage from Chinese into English:

中国的基本医疗保险制度实行社会统筹与个人账户相结合的模式。基本医疗保险基金原则上实行地市级统筹。基本医疗保险覆盖城镇所有用人单位及其职工；所有企业、国家行政机关、事业单位和其他单位及其职工必须履行缴纳基本医疗保险费的义务。目前，用人单位的缴费比例为工资总额的6％左右，个人缴费比例为本人工资的2％。单位缴纳的基本医疗保险费一部分用于建立统筹基金，一部分划入个人账户；个人缴纳的基本医疗保险费计入个人账户。统筹基金和个人账户分别承担不同的医疗费用支付责任。统筹基金主要用于支付住院和部分慢性病门诊治疗的费用，统筹基金设有起付标准、最高支付限额；个人账户主要用于支付一般门诊费用。

第二篇 Passage 2

China's basic medical insurance system also combines social mutual assistance programs with personal accounts. In principle, basic medical insurance funds come in the form of mutual assistance programs at prefectural and city levels. Basic medical insurance covers all urban employers and employees, all enterprises, state administrative departments, institutions and other organizations and all employees have to pay a basic medical insurance premium. At present, about 6 percent of the wage bill of employing units and 2 percent of personal wages should be paid as part of the medical insurance premiums. Part of the insurance premiums goes to the funds under the mutual assistance program and the rest to employees' personal accounts. Personal insurance premiums go entirely to personal accounts. Mutual assistance funds and personal accounts are used to pay for different types of medical costs: The former mainly for hospitalization and outpatient services in the case of certain chronic diseases, with a set starting standard and a maximum norm, and the latter mainly for general outpatient services.

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