Although children's mutual fund and urban and rural medical insurance are designed to protect people's health and quality of life, there are still some differences between them.

First of all, children's mutual fund is a way of mutual assistance, which mainly provides protection through donations among members. Urban and rural medical insurance is a social security system, which is shared by the government and individuals.

Secondly, children's mutual fund is mainly for children, while urban and rural medical insurance is for all insured people.

Finally, the coverage of children's mutual aid fund is relatively narrow, mainly for some specific diseases and accidental injuries, while urban and rural medical insurance provides comprehensive protection for common diseases, frequently-occurring diseases and chronic diseases.

What does urban and rural medical insurance protect?

Urban and rural medical insurance is a social security system, which aims to provide reimbursement and compensation for medical expenses for insured persons.

It mainly includes basic medical insurance and serious illness insurance.

The basic medical insurance mainly covers the treatment expenses of common diseases, frequently-occurring diseases and chronic diseases, including outpatient service, hospitalization, surgery, medicines and other expenses. Critical illness insurance is to protect some high-risk and high-cost serious diseases, such as cancer, cardiovascular and cerebrovascular diseases and so on.

How to pay urban and rural medical insurance?

Urban and rural medical insurance costs are mainly borne by individuals and units.

There are two ways of individual payment: monthly payment and annual payment. The payment amount is determined according to personal income and payment base. The unit payment is shared by enterprises, institutions and the government, and the amount of payment is determined according to the unit size and economic strength.

In addition, urban and rural medical insurance can also be guaranteed by government financial subsidies.

To sum up, there are some differences between children's mutual fund and urban and rural medical insurance in terms of security methods, security objects and security scope. Children's mutual fund is mainly provided by donations among members, and the scope of protection is relatively narrow for children; Urban and rural medical insurance is a social security system shared by the government and individuals, covering all insured persons and covering a wide range.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

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

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.