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

The differences between rural medical insurance and employee medical insurance are as follows:

1. Different insurance objects: Employee medical insurance provides medical security for the in-service employees of the employer, and the rural medical insurance participants are mainly local villagers;

2. The main body of payment is different: employee medical insurance is the employer and individual members of the society to pay medical insurance premiums, rural medical insurance is organized by the first organization, farmers voluntarily participate, individual, collective and multi-party financing.

3. Different payment methods: medical insurance needs to be paid for a certain number of years (generally six consecutive months) before users can enjoy reimbursement treatment. The new type of rural cooperative medical care is a voluntary participation of farmers, and they need to go through the insurance payment procedures every year.

4. Different reimbursement ratios: NCMS has the highest reimbursement ratio in rural township hospitals, and the reimbursement ratio in hospitals above the municipal level is relatively less than that of social security. Generally, the reimbursement ratio of employee medical insurance is highest in designated hospitals, and the reimbursement ratio of other hospitals will be reduced.

1. The insured objects are different; Employee medical insurance is a medical insurance provided for the in-service employees of the employer, while the rural medical insurance is mainly for local villagers;

2. The payment subject is different; Employee medical insurance is the employer and individual members of the community to pay medical insurance premiums, rural medical insurance is organized by the first organization, farmers voluntarily participated, individual, collective and multi-party financing;

3. The reimbursement ratio is different; NCMS has the highest reimbursement ratio in rural township hospitals, and the reimbursement ratio for employees' medical insurance is generally the highest in designated hospitals, while the reimbursement ratio in other hospitals will be reduced.

Legal 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 **.

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

1. The concept is different; Employee medical insurance refers to the basic medical insurance that the employer participates in for its employees in accordance with the regulations; Resident medical insurance refers to the social medical insurance system that does not participate in employee medical insurance and does not have any medical security personnel;

2. The objects of protection are different; The basic medical insurance for employees is for enterprise employees, and the domestic medical insurance covers urban and rural residents;

3. The payment object is different; The basic medical insurance for employees shall be paid by the employer and the employee himself according to a certain proportion and shall be jointly borne by the employer; The domestic medical insurance is paid by the residents themselves, ** subsidy;

4. The payment standard is different; The basic medical insurance for employees is paid monthly by the employer and the employee according to a certain proportion, while the resident medical insurance is generally paid once a year;

5. The payment period is different; China's provinces and cities have different regulations on the number of years of medical insurance payment for employees; However, there is no limit on the payment period of resident medical insurance, and insured residents will enjoy medical insurance treatment if they pay, and they will stop enjoying it if they do not pay;

6. Different treatment standards; Due to the low level of financing, the standard of medical treatment of domestic medical insurance is generally lower than that of employee medical insurance; The reimbursement ratio and limit of employee medical insurance can be higher than that of domestic medical insurance.

1. The payment cycle is different: the employee medical insurance is paid on a monthly basis, and the new rural insurance is paid annually;

2. The amount of payment is different: the monthly payment amount of employee medical insurance is calculated according to the payment base of the insured, so there is a big difference between individuals; However, the amount of the new rural insurance contribution is the same;

3. The subject of payment is different: the employee medical insurance is the individual and the enterprise; The new rural insurance is both personal and local**;

4. Different reimbursement ratios: There are differences in reimbursement ratios between places, but the reimbursement ratios between the two are also different in the same place.

The characteristics of social insurance are as follows:

1. The objective basis of social insurance is the risks existing in the labor field, and the standard of insurance is the personal life of the worker;

2. The subject of social insurance is specific. Including workers (including their relatives) and employers;

3. Social insurance is compulsory insurance;

4. The purpose of social insurance is to maintain the reproduction of labor force;

5. Insurance **** to the employer and the employee's payment and financial support.

The scope of insurance is limited to employees and does not include other members of society. The scope of insurance is limited to various risks in labor risks, excluding other property and economic risks.

Legal basisArticle 58 of the Social Insurance Law of the People's Republic of China.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay. Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Hello master, first, what is the difference between rural medical insurance and employee medical insurance is as follows; 1. The cost of payment is different Employee medical insurance is purchased by the company for employees, and must be paid every month, according to national regulations, the general company must pay about 8%, and the individual pays 2%. For example, if an employee has a monthly salary of 10,000 yuan, he needs to pay 200 yuan per month, and he needs to pay about 2,400 yuan in a year. Rural medical insurance is much cheaper than employee medical insurance, it is paid annually, almost more than 200 yuan a year, the number has been changing, and the rural medical insurance will pay 280 yuan in 2021.

2. Different reimbursement ratios The comprehensive reimbursement rate of hospitalization for employee medical insurance is about 50% to 60%, while the comprehensive reimbursement rate for hospitalization of rural medical insurance is about 40% to 50%. For example, if a person spends 1,000 yuan on hospitalization, the employee medical insurance can reimburse 500 to 600 yuan, and the rural medical insurance can report 400 to 500 yuan, so the comparison is obvious, and the specific formula is: reimbursement cost = (total cost - starting line - self-pay part) reimbursement ratio, comprehensive reimbursement rate = final reimbursement of expenses Total cost spent.

2. How many years do I need to pay for rural medical insurance? According to the current national policy, rural medical insurance needs to be paid every year, and there is no term, unless it is the elderly over 80 years old in rural areas, as well as low-income households, five-guarantee households, licensed disabled people, poor households who have built Kali cards, disabled soldiers or families of sacrificed soldiers, preferential care families, and families who have lost their footing can be exempted, and the rest are paid for one year and one year.