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1. Differences: 1. The medical insurance benefits for flexible employment personnel are higher than the medical insurance benefits for urban residents.

Urban residents' medical insurance is a supplementary insurance for people not covered by basic medical insurance and flexible employment medical insurance.

Low payment and low reimbursement (mainly for children, the elderly, etc.) 2. There are few types of special diseases for people with flexible employment.

I don’t have an account (the medical insurance card is just for identification).

Basic medical insurance has a personal account. The monthly fees paid by individuals (excluding large amounts) and fees paid by the unit are transferred to the personal account in a certain proportion and used to pay for out-of-pocket expenses when seeing a doctor and purchasing medicines. 3. Non-refundable.

As long as the insured person completes the procedures, makes a full deposit in the designated account of the designated bank, and successfully deducts the fee, it will be deemed as recognition of the flexible employment medical insurance policy.

No refund will be given regardless of whether the waiting period for benefits has expired or not.

Because the fee has been entered into the medical insurance fund, the medical insurance fund can only be used to pay the benefits of the insured persons.

After the insured person pays the premium (except for the waiting period for benefits), it is the coverage period of the medical insurance. The medical expenses incurred during the coverage period will enjoy corresponding benefits according to relevant regulations. 4. They cannot be enjoyed at the same time. They are both social security insurances and can only enjoy one kind.

2. The annual financing standard for insurance urban resident students and children is 100 yuan. Individuals pay 60 yuan for medical insurance premiums, and the remaining 40 yuan is subsidized by the government.

For students and children with severe disabilities, subsistence allowances and families with special difficulties, no individual payment is required, and all medical insurance premiums are subsidized by the government.

Non-employed urban adult residents raise funds at 560 yuan per person per year, and the payment and subsidy standards are: 1. For severely disabled people, people enjoying subsistence allowances, people from families with special difficulties, and seniors over 60 years old from low-income families, individuals do not pay, and medical care

All insurance premiums are subsidized by the government. 2. Elderly people over 70 years old pay 120 yuan in medical insurance premiums individually, and the remaining 440 yuan is subsidized by the government. 3. Other non-employed urban residents pay 330 yuan in medical insurance premiums individually, and the remaining 230 yuan is subsidized by the government in urban areas.

Resident medical insurance is a medical insurance system that mainly covers urban minors and unemployed residents who have not participated in urban employee medical insurance.

3. The current status of flexible employment personnel in my country is mainly as follows: 1. There are various forms of flexible employment personnel in my country. 2. There are many flexible employment personnel in my country, but not many flexible employment personnel participate in medical insurance. 3. The work characteristics of flexible employment personnel in my country are: The temporary, intermittent and unstable nature of work and the uncertainty of income.

4. Flexible employment personnel need to go through the registration procedures to participate in medical insurance. 5. The payment base for flexible employment personnel to participate in medical insurance is generally 60% of the average annual salary of employees in the previous year in each locality. (6) Flexible employment personnel participate in medical insurance for the first time. After full payment,

, you can enjoy medical insurance benefits after a certain medical waiting period.

4. The main problems existing in the current medical insurance for flexible employment personnel are: 1. The number of insured persons is small, and there is a certain degree of moral hazard. 2. Due to the instability of work, the continuity of participating in medical insurance is affected. 3. The average payment level is low.

Affects the fund's income 4. Difficulty in cross-regional transfer 5. Management lags behind.

Based on the current situation and existing problems of flexible employment in my country, this article puts forward the following countermeasures and suggestions: (1) Emphasis on the compulsory nature of medical insurance and all must be covered; (2) Strengthen the inspection of the payment base and collect all receivables; (3) Actively improve policies: Establish various forms of payment levels corresponding to different benefits; establish a mechanism for the transfer of medical insurance to other places (4) Pay attention to post-insurance management, plug loopholes, and prevent insurance fraud. 5. The conditions for meeting the medical insurance for flexible employment personnel: 1. Part-time employees and other flexible employment personnel who have not participated in the basic medical insurance for employees in the employer 2. Individual industrial and commercial households with no employees within the employment age range 3. Reached the legal retirement age, but have not reached the monthly basic pension insurance benefit payment Number of years, people who continue to pay basic pension insurance premiums in this city 6. Medical insurance payment standard for flexible employment personnel: 30 The corresponding payment level is consistent with the current medical insurance benefits of the insured persons. The payment standard is 191.13 yuan per month. When participating in the insurance If you are under one year old and the actual number of payment months after joining the insurance does not reach 5 years, you will enjoy preferential treatment. You will first pay according to the above payment standards, and the remaining portion of the discount will be transferred to the bank card used for payment every month. Please be informed.