1, the insured objects are different. Medical insurance for urban workers, mainly urban workers and flexible employees; The medical insurance for urban residents is mainly aimed at urban residents, and the new rural cooperative medical system is mainly aimed at rural residents.

2. The insured amount is different. Medical insurance for urban workers is based on social wages to determine the payment base of the year; Urban residents' medical insurance and the new rural cooperative medical system determine the insurance payment base according to the annual income of residents.

3. Different payment methods. Medical insurance for urban workers, employees are deducted from their wages every month, and the latter two are based on years, and the expenses for the coming year are paid at the end or the beginning of that year. China's current medical insurance system is divided into three parts, including urban workers' medical insurance, urban residents' medical insurance and new rural medical insurance (referred to as new rural insurance), which is the cornerstone of China's medical insurance development and a concrete measure of urban-rural medical insurance integration. With obvious characteristics of China, it has played a great role in solving people's medical problems and promoting people's health. Together, the three are called "medical insurance".

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.