Employee medical insurance or resident medical insurance, do you know which is more cost effective?

Employee medical insurance is compared with resident medical insurance.

It is more cost-effective, and the employee medical insurance payment can be enjoyed for a certain number of years, while the resident medical insurance needs to be paid every year, and the employee medical insurance can choose more designated hospitals, and the reimbursement ratio is relatively high.

The differences between employee medical insurance and resident medical insurance are mainly reflected in:

1. Different groups of people with medical insurance: Residents' medical insurance mainly faces people who have urban household registration but do not have a job, such as those who do not enjoy pensions.

of the elderly, the unemployed in the working age, teenagers, the disabled and other subsistence allowance recipients, as well as other urban non-employees; The main group of people covered by employee medical insurance is all employees of employers in urban areas and urban residents of working age.

e.g. active workers in the self-employed economy) and pension-entitled retirees;

2. Different payment standards: resident medical insurance is paid annually, and the financing level is lower than that of employee medical insurance; Medical insurance for urban workers.

It is paid on a monthly basis and has a high level of financing;

3. Different payment requirements: There are provisions on the number of years of payment for employee medical insurance: 25 years for men and 20 years for women, after reaching the national statutory retirement age.

After that, you don't need to pay any more fees to enjoy basic medical insurance; Resident medical reimbursement does not have a payment period and needs to be paid once a year.

4. The difference in payment: Resident medical insurance is paid by individuals, and at the same time, they will enjoy a certain subsidy; Generally speaking, the medical insurance paid by the individual accounts for 2% of the personal income, while the company's contribution ratio is about 6% of the employee's income. In addition, the employee medical insurance does not enjoy the first subsidy;

5. Different treatment standards: Employee medical insurance also has more choices in medical environmental conditions, such as more hospital choices; The treatment of employee medical insurance is higher than that of resident medical insurance. The reimbursement ratio is affected by different factors, from 70%-85% for general employees and 50%-70% for residents.

After laid-off workers leave their original workplace, they must first consider their social security benefits, if they do not want to affect the cumulative payment period of their medical insurance, they need to go to the social security bureau to pay, but for laid-off workers, the payment of medical insurance is divided into the following two situations:

First, employees who are receiving unemployment benefits do not need to pay medical insurance premiums. Article 48 of the Social Insurance Law of the People's Republic of China stipulates that during the period of receiving unemployment insurance money, you can participate in the basic medical insurance for employees and enjoy the basic medical insurance benefits. That is to say, during the period of receiving unemployment benefits, medical insurance is paid continuously, and the time for unemployment insurance to pay on behalf of the employee can be included in the cumulative payment period.

Second, employees who do not receive unemployment benefits can continue to pay employee medical insurance as flexible employees or affiliated with the company, or they can choose to participate in urban and rural residents' medical insurance.

As a flexibly employed person, you can only pay pension insurance and medical insurance. If you choose to pay on behalf of the affiliated company, you can pay five insurances, but the cost of paying social security does not exist for enterprises and individuals to share, and all the payments need to be borne by themselves, and the affiliated company also needs to pay a certain handling fee, and the economic pressure is really not small.

However, it should be noted here that when laid-off workers are still working in their original units, the five insurances paid include medical insurance, and after being laid off, they can pay on behalf of flexible employees or affiliated companies, and their payment years can be calculated with the previous accumulation, and under normal circumstances, they can directly enjoy the treatment of lifelong medical insurance after retirement after 25 years of cumulative payment, and finally enjoy the same medical insurance treatment as on-the-job employees.

To participate in the medical insurance for urban and rural residents, the payment amount is lower than that of the basic medical insurance for employees, and it is paid annually, so the economic pressure is relatively small. However, there is no lifelong system for medical insurance for urban and rural residents, and you can enjoy one year of medical insurance treatment for every year you pay, and if you stop paying, you cannot enjoy medical insurance treatment. And according to the provisions of the state medical insurance treatment can not be enjoyed repeatedly, that is, the two can not coexist, can not be freely transferred, choose to participate in urban and rural residents medical insurance means to give up the basic medical insurance for employees, then the previous accumulated payment years and amount is equivalent to a waste.

Therefore, it is recommended that you choose the basic medical insurance for employees, which can not only enjoy lifelong medical insurance treatment, but also have a high reimbursement ratio and account funds. Of course, if your economic conditions do not allow, you can settle for the second best thing and choose the pension insurance for urban and rural residents to ensure that you have a minimum guarantee.

Employee medical insurance is more cost-effective, and employee medical insurance can be enjoyed after a certain number of years, while resident medical insurance needs to be paid every year, and there are many designated hospitals for employee medical insurance, and the reimbursement ratio is relatively high.

Employee medical insurance, because employee medical insurance reimburses more when there is a medical accident, and can greatly reduce people's economic pressure.

It should be better to pay employee medical insurance, like resident medical insurance only pays more by themselves, and the enterprise should also bear part of the employee medical insurance.

Employees, because this is paid by the company, pay much more every year than the individual, and enjoy better benefits.

Hello, dear, I am happy to answer for you: <>

Employee medical insurance is cost-effective, from the perspective of premiums, urban and rural residents' medical insurance is more cost-effective, only need to pay once a year, a cost of only a few hundred yuan, and employee medical insurance is required to pay every month, and the monthly cost is hundreds or even thousands. From the perspective of reimbursement strength, the hospitalization reimbursement of employee medical insurance accounts for about 80%, and the hospitalization reimbursement of urban and rural residents' medical insurance accounts for about 60%. From the perspective of insurance integrity, employee medical insurance is better, because it can be enjoyed for life after 25 years of renewal, and there is a sum of money into the personal medical insurance card every month, and these are not available in urban and rural residents' medical insurance.

Summary. 1.As a general urban and rural resident, it is more cost-effective to pay medical insurance for urban and rural residents.

2.The standard of medical insurance payment for urban and rural residents is relatively low. Medical insurance for urban and rural residents, according to the payment standard in 2022, per person per year.

3.You can enjoy the treatment of a second reimbursement. Although the payment standard of medical insurance for urban and rural residents is relatively low, there are also obvious drawbacks.

4.It is more cost-effective for urban workers to pay employee medical insurance.

5.There is a personal account and an outpatient mutual aid guarantee mechanism. The medical insurance paid by urban employees is paid by the employer and the individual employee in proportion, and do you know which is more cost-effective to pay for employee medical insurance or resident medical insurance?

Due to the relatively large amount of information, the small ones carefully consider and scrutinize to give a satisfactory answer.

1.As a general urban and rural resident, it is more cost-effective to pay medical insurance for urban and rural residents.

2.The standard of medical insurance payment for urban and rural residents is relatively low. Medical insurance for urban and rural residents, according to the payment standard in 2022, per person per year.

3.You can enjoy the treatment of a second reimbursement. Although the payment standard of medical insurance for urban and rural residents is relatively low, there are also obvious drawbacks.

4.It is more cost-effective for urban workers to pay employee medical insurance.

5.There is a personal account and an outpatient mutual aid guarantee mechanism. The medical insurance paid by urban employees is paid by the employer and the individual employee in proportion

Summary. Although the employee medical insurance pays more, but the employee medical insurance reimbursement ratio is high, the highest can be reimbursed to about 95 percent, after the full payment of the number of years do not need to continue to pay, you can enjoy lifelong medical insurance treatment, although the resident medical insurance payment is small, but the reimbursement ratio is only 60 percent, and the medical treatment needs to pay more funds in advance, the premium is ** year by year, and it also needs to be paid for life, so it is still cost-effective for employee medical insurance.

Hello, I'm glad to answer for you, dear, it's more cost-effective to pay employee medical insurance.

Although the employee medical insurance pays more, but the employee medical insurance reimbursement ratio is high, the highest can be reimbursed to about 95 percent, after the full payment of the number of years do not need to continue to pay, you can enjoy lifelong medical insurance treatment, although the resident medical insurance payment is less, but the reimbursement ratio is only 60 percent, and the balance banquet and see a doctor need to pay more funds in advance, the premium is ** year by year, and it also needs to be paid for life, so it is still a cost-effective employee medical insurance.

It is recommended to pay employee medical insurance.

Which is the best value for employee medical insurance or urban and rural residents' medical insurance article to understand which is better.

Employee medical insurance and urban and rural residents' medical insurance are the two basic medical insurance in China, which can be guaranteed after participating in the insurance, and can apply for reimbursement for sick hospitalization, and the strength is not small, but the two are conflicting, which means that the insured can only buy one of them.

Which is the best deal, employee medical insurance or urban and rural residents' medical insurance?

From the point of view of premiums, urban and rural residents' medical insurance is more cost-effective, only need to pay once a year, and the cost is only a few hundred yuan, while employee medical insurance needs to be paid every month, and the monthly cost is hundreds or even thousands.

From the perspective of reimbursement strength, employee medical insurance is more cost-effective, with the hospitalization reimbursement ratio of employee medical insurance being around 80%, and the hospitalization reimbursement ratio of urban and rural residents' medical insurance being about 60%.

From the perspective of insurance comprehensiveness, employee medical insurance is better, because after 25 consecutive years of payment, you can enjoy it for life, and there is a sum of money into the personal medical insurance card every month, which is not available in urban and rural residents' medical insurance.

Employee medical insurance and urban and rural residents' medical insurance have their own good, are to follow the principle of paying more insurance, if there are conditions, it is definitely recommended to buy employee medical insurance, but if you live in the countryside, there is no higher amount of income, it is not recommended to buy employee medical insurance, you can choose urban and rural residents medical insurance, after all, employee medical insurance in the company to buy the most cost-effective, the company needs to bear about 8%, employees bear 2%. If you buy it in your own name, you need to pay for it.

Employee medical insurance is more cost-effective. The reimbursement ratio of employee medical insurance is higher than that of resident medical insurance, and the reimbursement ratio of retired employee medical insurance participants and the reimbursement ratio of resident medical insurance participants at the same level of designated medical institutions are virtual.

Employee medical insurance can be paid cumulatively, and the payment period in most areas is 25 years, and after reaching the minimum payment period, there is no need to continue to pay fees, and you can enjoy medical insurance reimbursement treatment for life. This is also the biggest advantage of employee medical insurance payment. However, the domestic medical insurance can not accumulate the payment period, can only be paid on an annual basis, if there is no payment in the current year, it is not possible to enjoy the medical insurance reimbursement treatment.

Even if you reach the statutory retirement age, you still need to continue to pay after retirement, pay for one year to enjoy one year of medical insurance reimbursement, and you cannot participate in medical insurance reimbursement if you don't pay. If you want to be reimbursed by medical insurance all the time, you must pay all the time.

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Each person should actively participate in the insurance according to their own situation, and the reimbursement ratio is different for each system. Employees with higher payment standards will enjoy higher treatment for medical insurance, and those who participate in lower payment standards will enjoy relatively lower treatment for residents' medical insurance. Workers can participate in employee medical insurance or resident medical insurance according to their actual situation.

Summary. Kissing, employee medical insurance is more cost-effective.

Kissing, employee medical insurance is more cost-effective.

Expansion: Employee medical insurance includes basic medical insurance for employees and supplementary medical insurance for employees. The basic medical insurance for employees is a social medical insurance that guarantees the basic medical rights of employees in accordance with the law, and supplementary medical insurance is not compulsory through national legislation, but is voluntarily participated in by employers and individuals.

Basic medical insurance and supplementary medical insurance are not contradictory, but complementary and irreplaceable, and their purpose is to provide medical protection for employees. Employee medical insurance is enforced by laws and regulations, and the basic model of combining social medical care with personal medical accounts is a basic insurance item of social insurance. Supplementary medical insurance is a form of supplementary medical insurance that enterprises organize or participate in independently on the basis of participating in urban basic medical insurance, and the state gives political infiltration policies and encouragement.