The social security center runs medical insurance for urban workers, and individuals and units pay according to a certain proportion. Flexible employment personnel to participate in medical insurance for urban workers need to be paid in full by individuals (no work unit). Among them, the individual payment part and the unit payment part are included in the personal account, which can be used to swipe the card to see a doctor and buy medicine in designated hospitals and pharmacies. When hospitalized, the medical expenses within the scope of the policy shall be paid by the overall fund. After retirement (payment needs to reach a certain number of years), you can continue to enjoy the basic medical insurance benefits for employees without paying. The proportion of hospitalization reimbursement is relatively high.
What the community does is medical insurance for urban residents. It adopts a combination of individual contributions and government financial subsidies. Generally, individual accounts are not established, and outpatient co-ordination is implemented. That is, if you see a minor illness in an outpatient clinic, you can reimburse some outpatient medical expenses by swiping your card in a designated primary medical service institution (generally referring to a community medical service institution), but there will be an annual maximum. The medical expenses during hospitalization are paid by the overall fund, and the proportion of general reimbursement is not as high as that of employee medical insurance reimbursement. Medical insurance for urban residents is paid once a year, just for one year. If you don't pay, you can't enjoy medical insurance benefits, including those over 60 years old.