What is the difference between an urban resident medical insurance card and an employee medical insu

The differences between the medical insurance card and the urban residents' medical insurance are as follows:

1. Facing different crowds.

The medical insurance card is mainly for employees and retirees who have a job or are engaged in the self-employed economy. It is an employee medical security card.

The medical insurance for urban residents is mainly for the elderly residents with urban household registration who do not work, the recipients of the subsistence allowance, the severely disabled, students and children, and other urban non-employees;

2. The payment standard is different from **.

The medical insurance card (employee medical insurance) is jointly paid by the employer and the individual employee, and does not enjoy the ** subsidy.

The payment standard of medical insurance for urban residents is generally lower than that of employee medical insurance, and appropriate subsidies will be given on the basis of individual contributions;

3. The standard of treatment is different.

Due to the low level of financing, the standard of medical treatment for urban residents is slightly lower than that of employee medical insurance.

4. The payment requirements are different.

The medical insurance card (employee medical insurance) establishes a minimum payment period, and if the payment period is reached (25 years for men and 20 years for women), they can enjoy basic medical insurance treatment after retirement.

There is no minimum payment period for urban residents' medical insurance, and they must pay every year, and they cannot enjoy treatment if they do not pay.

Both the urban resident medical insurance card and the employee medical insurance card can pay the medical expenses during the cardholder's own hospitalization, the difference is that the urban residents pay their own fees and pay in the overall account, and there is no balance in the personal account, and the employees have a balance in the personal account because the unit and the individual pay the fee, so the personal account has a balance, and they can go to the designated pharmacy of the medical insurance to buy medicine.

How to check the medical insurance card of urban employees.

You don't have to worry, to inquire about your personal information about social security, in addition to logging in to the local social security network (the function is not perfect and stable), you can also inquire in the following ways:

1) Local social security bureau.

2) Call the Social Security Bureau service **12333

Remember: You will need your ID card or social security number to check the query.

1. The scope of coverage is different: the urban resident medical insurance card is the special card of each urban resident medical insurance card, and the medical insurance card is the social security card, which is used for the five insurances (endowment, medical care, unemployment, work-related injury and maternity social insurance); 2. Different functions: the urban resident medical insurance card can only be used for medical consumption, while the social security card can also be used for identity inquiry, social security payment, etc.

1. The scope of coverage is different:

The urban resident medical insurance card is a special card for every early starvation urban resident medical insurance card, and the medical insurance card is the social security card, which is used for five insurances (endowment, medical care, unemployment, work-related injury and maternity social insurance).

2. Different functions:

The urban resident medical insurance card can only be used for medical consumption, while the social security card can also be used for identity inquiries and social security payments.

3. The main body of the card is different

The urban resident medical insurance card is mainly for residents who do not have a fixed work unit, while the medical insurance card is a functional card that can only be handled after the in-service employee purchases social security.

Full text of the Social Insurance Law of the People's Republic of China

Article 23.

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons can participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state or the department.

What is the difference between a resident medical insurance card and an employee medical insurance card? For the citizens of Guangzhou, the medical insurance card can be roughly divided into two categories, namely the employee medical insurance card of the incumbent and the resident medical insurance card that was later incorporated into the basic medical insurance system. The former is relatively easy to understand, that is, the card of all employees with the company as the payment unit.

There is money in the personal card of the employee's medical insurance, but there is no money in the medical insurance card of the resident.

For the citizens of Guangzhou, the medical insurance card can be roughly divided into two categories, namely the employee medical insurance card for in-service personnel, and the resident medical insurance card that was later incorporated into the basic medical insurance system. The former is relatively easy to understand, that is, the card of all employees with the company as the payment unit. The resident medical insurance card refers to minors, non-employed residents and elderly residents.

The medical insurance treatment and contribution amount of these three categories of people are different.

The biggest difference between the resident medical insurance card and the employee medical insurance card is that the former does not have a personal account, and the card in the hand only plays the role of a certificate of participation, which is to show it when you see a doctor to tell the hospital that you are eligible for medical insurance. The employee medical insurance card, in addition to enjoying the reimbursement part when seeing a doctor, also has a personal account in the card. The money is theoretically entirely yours and can now be used by your family.

It is important to note that your family members can use your personal account balance, but they will not be eligible for the same health insurance benefits with your health insurance card. This is the biggest difference between domestic medical insurance and foreign medical insurance, in developed countries such as Canada, it is basically possible to achieve one person to participate in insurance, the whole family shares.

How to use medical insurance for outpatient and inpatient patients?

There is a monthly reimbursement maximum for outpatient services and a minimum payment for hospitalization.

There are two main ways to use medical insurance, namely outpatient and inpatient. For example, minors in the resident medical insurance have low payment but high reimbursement amount, and can reimburse 80% of the expenses. The basic medical insurance for employees is 75 per cent, while the unemployed and the elderly are at least 60 per cent.

And this also refers to the community and designated primary health care facilities. If you are seeking medical treatment in a higher-level hospital institution, the reimbursement rate is even lower. In addition, there is a monthly reimbursement limit for outpatient clinics under medical insurance, and the medical insurance for minors and employees is 300 yuan per month.

The unemployed and the elderly are only 100 yuan per month. This amount is not the cost of seeing a doctor, but the portion of the medical plan that you can eventually enjoy from the medical pool**. For example, if you are an employee who spends 1,000 yuan on outpatient visits in a month, the maximum amount you can enjoy in the end is 300 yuan.

In addition, the chronic disease clinic in the outpatient clinic can enjoy special policies.

The main differences between the urban resident medical insurance card and the medical insurance card are: 1. The coverage is different: the urban resident medical insurance card is the special card of each urban resident medical insurance card insured, and the medical insurance card is the social security card, which is used for five insurances (endowment, medical care, unemployment, work-related injury and maternity social insurance).

2. Different functions: the insurance card can only be used for medical consumption, while the social security card can also be used for identity inquiry and social security payment. 3. The main body of the card is different

The urban resident medical insurance card is mainly for residents who do not have a fixed work unit, while the medical insurance card is a functional card that can only be handled after the in-service employees purchase social security.

A social security card is not a medical insurance card, but a social security card has the function of a medical insurance card. The social security card has a wide range of functions. Cardholders can not only use the card to seek medical treatment for real-time settlement of medical insurance personal accounts, but also handle pension insurance affairs; Job-seeking registration and unemployment registration; apply for unemployment insurance benefits; apply for job training; Apply for labor ability appraisal and apply for work-related injury insurance benefits; Handle labor and social security matters online, etc.

Article 25 of the Social Insurance Law of the People's Republic of China The State shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of six or eight from low-income families, and minors will be subsidized by **.

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 24: The State is to establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Article 25 The State shall establish and improve a basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.