At present, the types of social basic medical insurance in China are mainly divided into two types: employee medical insurance and resident medical insurance. Among them, resident medical insurance includes urban resident medical insurance and new rural medical insurance. But many people don't know very much about these two types of medical insurance, and they don't know which kind of medical insurance to take part in. Today's editor will come to explain the difference between employee medical insurance and resident medical insurance in detail.
What are the differences between employee medical insurance and resident medical insurance?
[answer]: at present, the main differences between employee medical insurance and resident medical insurance are as follows:
The first point: different concepts. Employee medical insurance refers to the basic medical insurance that employers take part in for employees according to regulations. Residents' medical insurance refers to the social medical insurance system without employees' medical insurance and any medical insurance personnel.
The second point: different guarantee objects. The object of basic medical insurance for employees is enterprise employees, and the object of medical insurance for residents is urban and rural residents.
Third, different payment objects. The basic medical insurance for the employees shall be paid by the employer and the employees themselves according to a certain proportion and jointly undertaken. The residents' medical insurance is paid by the residents themselves and subsidized by the government.
Fourth: different payment standards. The basic medical insurance for employees is paid monthly by the employer and employees according to a certain proportion, while the resident medical insurance is generally paid once a year.
Fifth: different payment years. For example, the minimum payment period of Guangzhou medical insurance is 15 years. However, residents' medical insurance has no limit on the payment period. The insured residents will enjoy the medical insurance treatment if they pay, and will stop to enjoy if they don't pay.
Sixth: different standards of treatment. Due to the low level of financing, the medical treatment standard of residents' medical insurance is generally lower than that of employees' medical insurance. The proportion and limit of employee medical insurance reimbursement can be higher than that of resident medical insurance.