What are the three main publicly financed insurance programs in China?

• A. UEBMI (urban employed), NRCMS (rural), and private insurance
• B. NRCMS, UEBMI, and Medicaid
• C. NRCMS (rural) and URBMI (urban employed) only
• D. NRCMS, UEBMI, and URBMI

Answer: (D)

The main idea is that China’s public health coverage is built around three programs that target different groups: rural residents, urban employed workers, and other urban residents who aren’t covered by the urban employment program. The New Rural Cooperative Medical Scheme serves the rural population, helping rural households with medical costs. The Urban Employee Basic Medical Insurance covers people who work in cities and are earning wages, funded by payroll contributions and employer/employee payments. The Urban Resident Basic Medical Insurance covers urban residents who are not part of the urban employee program—such as children, students, the elderly not in paid employment, and the unemployed. Collectively, these three are the primary publicly financed insurance programs in China, while private insurance and programs from other countries (like Medicaid in the U.S.) are not part of this public set. So the correct trio is NRCMS, UEBMI, and URBMI.