The difference between employee medical insurance and resident medical insurance is mainly reflected in the payment period, the object of protection, the payment standard and the treatment standard.
1, different security objects
The applicable population of employee medical insurance is employees of all employers in cities and towns, including employees of institutions, enterprises, institutions and other units; Residents' medical insurance covers urban and rural residents.
2; Different payment standards
The medical insurance premium for employees shall be paid monthly by the employer and individual employees according to a certain proportion; But residents' medical insurance is generally paid once a year.
3. Different treatment standards
The medical insurance benefits of urban and rural residents are lower than those of urban workers, and the reimbursement rate of medical insurance for residents is 50% to 70%, and that for employees is 70% to 85%.
Extended data:
All employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.). ), organs, institutions, social organizations, private non-enterprise units and their employees should participate in the basic medical insurance. Whether township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance shall be decided by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government.
In principle, the basic medical insurance shall be based on the administrative regions (including prefectures, cities and leagues) or counties (cities) above the prefecture level. In principle, the three municipalities directly under the Central Government, namely Beijing, Tianjin and Shanghai, shall implement overall planning within the city (hereinafter referred to as the overall planning area).
All employers and their employees shall participate in the basic medical insurance in the overall planning area in accordance with the principle of territorial management, implement unified policies, and implement unified collection, use and management of basic medical insurance funds. Railway, electric power, ocean transportation and other enterprises. Production mobility is large and its employees can participate in basic medical insurance in different places in a relatively centralized way.
The basic medical insurance premium is paid by both the employer and the employee. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the employee's contribution rate is generally 2% of his salary income. With the development of economy, the contribution rates of employers and employees can be adjusted accordingly.
References:
Baidu encyclopedia-basic medical insurance for urban workers