Is urban medical insurance accessible to everyone?

Now Xiangfan has 2 kinds of medical insurance, one is the medical insurance for urban employees, and the other is the medical insurance for urban residents.

In the case of the first type, flexible employees who have established a clear labor relationship with the employer must pay for the insurance in accordance with the employer's participation in basic medical insurance. Other flexibly employed persons are required to pay for the insurance in their individual capacity.

Second, non-registered outsiders pay 120 yuan per person per year and 240 yuan for children under the age of 18. The details are as follows:

Residents need to provide the following materials to register for insurance in their communities:

1. Fill in the "Application Form for Registration of Urban Residents in Xiangfan City to Participate in Basic Medical Insurance";

2. Provide household registration book or ID card and 2 recent one-inch bareheaded color photos (not provided by preschool children**);

3. Subsistence allowance recipients and severely disabled persons need to provide the "Xiangfan Social Assistance Certificate" and the "People's Republic of China Disabled Persons Certificate";

4. Seniors over 60 years old from low-income families need to provide relevant certificates and household registration books.

If you need to know more about it, I'll give you a **3605475 This is the ** of the Municipal Medical Insurance Center for Urban Residents' Medical Insurance, you can consult.

You can be insured, but you must have a certificate of residence in the city, and you can participate in the insurance by going to the street community where you live to issue a certificate and a certificate from the local police station.

Yes, but you have to give proof that you live in it.

Medical insurance for urban and rural residents is now being phased out, and there are no personal accounts.

Meaning of medical insurance for urban residents:

It is a medical insurance system that mainly targets urban minors and residents who do not work who have not participated in the medical insurance for urban employees. It is a major measure to further solve the problem of medical security for the broad masses of the people and continuously improve the medical security system after the implementation of the basic medical insurance system for urban workers and the new rural cooperative medical system. It mainly makes institutional arrangements for medical insurance for urban non-employed residents.

The emergence of this system is of great significance in the course of the reform of China's social insurance system, and points out the direction of China's social insurance system reform.

Extended information: "three guarantees in one", that is, the unification of basic medical insurance for urban employees, medical insurance for urban residents, and new rural cooperative medical care (Mu Yuanshen New Rural Cooperative Medical System). The Ministry of Human Resources and Social Security's responsibilities for basic medical insurance and maternity insurance for urban workers and urban residents, and the National Health and Family Planning Commission's responsibilities for new rural cooperative medical care, etc., will be integrated to form the National Medical Security Bureau, which will be directly under the National Medical Security Bureau.

At the same time, the new rural cooperative medical care of the health system and the urban residents' medical insurance of the human resources and social security system are merged into the "medical insurance for urban and rural residents", which implements unified payment, unified management, unified accounting, and unified reimbursement, and does not merge with the medical insurance for enterprise employees. Therefore, resident medical insurance and employee medical insurance are still different medical insurance systems, with different contributions, different reimbursement catalogs, different reimbursement ratios, and different reimbursement starting points. Therefore, the personal account of the employee's basic medical care will not be affected.

Summary: "Three-in-one" is the integration of the handling agency, and the medical treatment is not integrated, so there is no need to worry about the cancellation or disappearance of the money in the basic medical personal account of the employee.

Resident medical insurance includes urban residents' medical insurance and NCMS medical insurance, but urban residents' medical insurance does not have a personal account, only NCMS medical has a personal account, and the personal account is the part of residents' individual payment, which can be used to pay for small trillions of outpatient expenses.

However, the personal account of resident medical insurance does not have the function of mutual aid, and the amount of small guarantee is insufficient, and at present, all parts of the country are pushing the rotation into the outpatient co-ordination, and the cancellation of the resident medical insurance is to the outpatient co-ordination of the excessive, and the outpatient minor illness medical expenses are included in the overall planning of the first payment range, which can be reimbursed, and the reimbursement ratio is about 50%.

Summary. Medical insurance for urban and rural residents belongs to social insurance, and belongs to medical insurance in social insurance. Since the basic medical insurance for urban and rural residents is a key component of medical insurance in social insurance, the key is dominated by individual payment, and then the first department moderately subsidizes, and then gives the most important medical requirements for urban and rural residents.

However, it is worth mentioning that there is still a difference between medical insurance and social security for urban and rural residents. From the point of view, the key for urban and rural residents is to provide compensation for minors who have not participated in the medical insurance for urban and rural residents, and social security is an insurance product that compensates for the lack of work ability and temporary loss of job positions. The goals of their protection are different, and the new projects are also different, only the scope of social insurance is obviously broader, including medical insurance, laid-off insurance, industrial accident insurance, maternity insurance, etc., while urban medical insurance is only medical insurance.

The medical insurance for urban and rural residents belongs to social insurance and medical insurance in social insurance. Because the basic medical insurance for urban and rural residents is a key part of the medical insurance in social insurance, the key is dominated by individual payment, and then the first department is moderately subsidized, and then the most important medical requirements are given to urban and rural residents. However, it is worth mentioning that there is still a difference between medical insurance and social security for urban and rural residents.

From the point of view of understanding, the key for urban and rural residents is minors who have not participated in the medical insurance for urban and rural residents, and social security is an insurance product that compensates for the loss of those who lack the ability to work and temporarily lose their jobs. The goals of their protection are different, and the new projects are also different, only the scope of social insurance is obviously broader, including medical insurance, laid-off insurance, industrial accident insurance, maternity insurance, etc., while urban medical insurance is only medical insurance.

Then the medical insurance for urban residents has nothing to do with the social security of the status of fresh graduates.

No, the social security of employees will affect the status of fresh graduates, and the resident medical insurance can be paid by children, students, and the elderly, and it will not be affected.

The social security paid by individuals will not affect the status of fresh graduates.

Yes. If there are social security records and salary in the file of Tan Ta Song, according to the current regulations, it can no longer be used as a fresh graduate, and the fresh graduate is a graduate who has just graduated or has not participated in the work within two years of graduation and the file is still in the talent exchange center or the personnel department (based on whether to pay social insurance).

Ok thanks.

Social security for urban and rural residents.

It is the social security paid by the local people themselves in the household registration and file, and the social security for urban employees is the social security paid by the locals or outsiders through the unit.

Locals can choose to pay social security for urban and rural residents or pay social security for urban workers through their units.

In Beijing, there are only three types of social security for urban and rural residents that locals can pay for themselves.

Medical care, pension, unemployment, and the amount of payment is only divided into three levels: high, medium and low. The social security for urban employees paid by locals or outsiders through the unit is five insurances.

Medical care, pension, unemployment, handshake injury, maternity, and the amount paid is between the upper and lower limits.

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Medical insurance for urban residents and medical insurance for urban employees generally cannot be available at the same time. The parties can choose to pay one of the medical insurances, and if the parties participate in both of the above two types of medical insurance, they can choose to enjoy one of the medical insurance benefits when reimbursing the medical expenses.

Legal basis] Article 23 of the Social Insurance Law of the People's Republic of China.

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.

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 training subsidies.

Article 26.

The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

You can have both and pay at the same time, but you can't reimburse at the same time. The reimbursement ratio of employee medical insurance is higher than that of urban medical insurance, and it is recommended to cancel urban medical insurance and only pay employee medical insurance, or handle insurance transfer, and convert urban medical insurance to employee medical insurance.

The main differences between urban employee medical insurance and urban residents' medical insurance are as follows:

Facing different crowds. The medical insurance for urban employees is mainly for in-service employees and retirees who have a work unit or are engaged in the individual economy. 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;

Residents who pay for urban employee medical insurance have personal accounts and can spend money in their personal accounts; Residents who pay for urban medical insurance do not have a personal account.

Reimbursement rates vary. Taking a first-class hospital as an example, the reimbursement ratio for urban in-service employees is 82%, and the reimbursement ratio for retired employees is 91%; The reimbursement rate for medical insurance for urban residents is 60 per cent. Due to the low level of financing, the standard of medical treatment for urban residents is slightly lower than that of employee medical insurance.

The amount of the contribution varies. The medical insurance for urban employees shall be jointly paid by the employer and the employee, and the employer's contribution rate shall be controlled at about 6% of the employee's salary, and the employee's contribution rate shall be 2% of his or her own salary income; The amount of medical insurance for urban residents is 180 yuan per person per year. The medical insurance for urban bank residents does not set a minimum payment period, and must be paid every year, and no payment will be enjoyed.