The difference between residents' medical insurance and employees' medical insurance;
1, facing different people. Medical insurance for urban workers is mainly for employees and retirees who have work units or are engaged in individual economy.
Medical insurance for urban residents is mainly for urban non-employees such as elderly residents, low-income objects, severely disabled people, students and children who have urban household registration and have no jobs;
2. The payment standard and source are different. Medical insurance for urban workers is paid by employers and individual workers and does not enjoy government subsidies. The payment standard of urban residents' medical insurance is generally lower than that of employees' medical insurance, and the government gives appropriate subsidies on the basis of individual contributions;
3. Different treatment standards. Due to the low level of financing, the medical treatment standard of urban residents' medical insurance is slightly lower than that of employees' medical insurance.
4. Different payment requirements. If the minimum payment period is set for medical insurance for urban workers, if the payment period reaches 25 years for men and 20 years for women, they can enjoy basic medical insurance benefits without paying after retirement;
The scope of reimbursement of the basic medical insurance fund for urban residents:
1, hospitalization expenses;
2. Medical expenses within 7 days before emergency observation and hospitalization;
3, in line with the provisions of the urban residents special disease outpatient medical expenses;
4. Other expenses that meet the requirements.
Medical insurance for urban residents shall not be reimbursed:
1, self-purchased drugs;
2, should be paid from the industrial injury insurance fund;
3, should be borne by a third person;
4, should be borne by public health;
5. Go abroad for medical treatment;
6. Funds that are not reimbursed according to other laws and regulations.
To sum up, there is no minimum payment period for urban residents' medical insurance, which must be paid every year. If you don't pay, you won't enjoy the treatment.
Legal basis:
Article 2 of People's Republic of China (PRC) Social Insurance Law
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 get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.