Resident medical insurance and unit medical insurance, what is resident medical insurance

1.The time is different: employees can pay for the full number of years, while resident medical insurance needs to pay for insurance every year.

2.The object is different: employee medical insurance:

Employees with units, resident medical insurance: people who have not paid employee medical insurance, the elderly, and children. 3.

The methods are different: employee medical insurance is paid monthly, and resident medical insurance is paid annually. 4.

The proportions are different: there are many designated hospitals for employee medical insurance, and there are many reimbursements.

Five Differences Between Employee Medical Insurance and Resident Medical Insurance Medical insurance has now become an indispensable guarantee in our lives. However, I believe that many people lack enough understanding of the classification of medical insurance and the difference between different medical insurance. Below we will introduce the classification and the two common ones, the difference between employee medical insurance and resident medical insurance.

The medical insurance stipulated by the state is roughly divided into three categories: employee medical insurance, resident medical insurance and new rural cooperative medical care. Employee medical insurance is urban employee medical insurance, and resident medical insurance is urban residents' medical insurance.

The difference between employee medical insurance and resident medical insurance is first of all in the medical insurance group faced. The main groups of employees covered by employee medical insurance are employees of all employers in urban areas, urban residents of working age (such as in-service employees engaged in individual economy) and retirees enjoying pensions; The setting of residents' medical insurance can be understood as the expansion of the coverage area of medical insurance, which is mainly aimed at people who have urban household registration but do not have a job, such as the elderly who do not enjoy pensions, the unemployed people of working age, teenagers, the disabled and other subsistence allowance objects, and other urban non-employees.

The second point is the difference in payment standards. The medical insurance for urban employees is paid on a monthly basis, and the level of financing is relatively high; Resident medical insurance is paid annually, and the financing level is lower than that of employee medical insurance.

The third is the difference in contributions**. 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; Resident medical insurance is paid by individuals, and at the same time, they will enjoy a certain amount of subsidies.

Fourth, the standard of treatment. 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.

The last point is the payment requirement. There are provisions on the number of years of payment and participation in the medical insurance for employees: 25 years for men and 20 years for women, and they do not need to pay any more fees to enjoy basic medical insurance treatment after reaching the national statutory retirement age; Resident medical reimbursement does not have a payment period and needs to be paid once a year.

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What is the difference between resident medical insurance and employee medical insurance?

Resident medical insurance is a medical insurance system that mainly covers urban minors and residents who do not work who have not participated in the medical insurance for urban employees. The payment method of medical insurance is as follows:

1. Copy of the front and back of the ID card

2. A copy of the medical insurance card;

3. Original invoices for medical expenses;

4. Copies of inpatient medical records (with the official seal of the hospital): including the first page of the medical record, long-term medical orders and temporary medical orders, discharge records, etc.;

5. Summary of medical expenses;

6. Discharge certificate;

1. Insured objects. Full-time undergraduate and junior college students and full-time graduate students who receive general higher education in various full-time students and scientific research institutes;

2. Scope of insurance. In accordance with the principle of territoriality, the problem of college students seeking medical treatment is solved by participating in the basic medical insurance for urban residents where the school is located, and the payment is paid and the corresponding treatment is enjoyed in accordance with local regulations, and the level of treatment is not lower than that of local urban residents. In other words, college student medical insurance can only be used locally, not abroad;

3. Payment standards and insurance benefits. Medical insurance for college students** consists of two parts:

1) Basic medical insurance premiums paid by insured students;

2) ** Subsidy. At present, China's medical insurance for college students mainly includes general outpatient, inpatient medical care, and serious illness outpatient.

Legal basisLegal basisArticle 25 of the Social Insurance Law of the People's Republic of China.

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 **.

Article 28.

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

2. There is no need to pay both, and the pension and medical reimbursement can only be received or reimbursed according to the highest, the two are conflicting, and it is useless to pay more 3. If the unit is unstable, rural medical insurance can be paid, so that there is a guarantee for illness in the future, but rural pension insurance should not be paid, and if you get little money in the future, it is not as good as paying urban social security when you are working. Which one is more realistic?

Because I'm still young, it's necessary to give myself a little more protection. Specifically, I want to know what is the difference between the two in terms of policy. And my mom said that our rural health insurance there requires the whole family to be insured.

Answer: Urban medical insurance, hospitalization can be reimbursed 80%, and there will be money in the medical insurance card every year, which is used to buy drugs on a daily basis. Rural medical insurance generally reimburses 30%-50%, and the reimbursement ratio is low

Thank you, then I'll decide to hand it in both. After all, the rural medical insurance is less, and the parents do not pay the impression, although their own municipal medical insurance pays a little more, but the reimbursement ratio is also high. Thank you very much.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

What is the difference between resident medical insurance and employee medical insurance?

2. The treatment is different, and the reimbursement treatment of employee medical insurance is higher than that of resident medical insurance.

3. The time requirements are different, the employee medical insurance will calculate the payment time, and when the retirement age is reached, the payment will be completed for the number of years specified by the local government (generally 25 years), so that you can enjoy the retirement medical insurance treatment and do not have to pay the premium.

Resident medical insurance, pay 1 year for 1 year, do not pay for insurance. The medical insurance for employees is paid by themselves, and if there is a unit in the future, they can be transferred to the unit to pay, but the resident medical insurance is not.

Hope it helps.