How to pay medical insurance for urban and rural residents:

1. Offline payment: Users can go directly to the local Social Security Bureau to make payment. They need to bring their personal ID card and payment amount to the Social Security Bureau. Consult the Urban and Rural Residents Medical Insurance, and then complete the payment after being operated by the staff;

2. Online payment: You can directly use the WeChat official account, the mobile APP of the local tax department, Alipay and other mobile payment platforms To complete the payment of medical insurance for urban and rural residents.

The differences between urban employee medical insurance and urban and rural residents’ medical insurance:

1. Different insured groups

The urban employee medical insurance participants are working employees with fixed jobs Or they are freelancers who participate in employee social security as flexible employees, while the participants in urban and rural residents' medical insurance are mainly targeted at unemployed urban and rural residents, low-income households, or students and children who are still studying; < /p>

2. The household registration requirements are different

Urban employee medical insurance is mainly a medical insurance paid by individuals and their employers together. There are no requirements for the insured’s household registration; urban and rural residents’ medical insurance It includes urban residents’ medical insurance and new rural cooperative medical insurance. Those who want to participate in the payment need to have urban resident registration or rural resident registration;

3. Premiums are different

Urban employee medical insurance is for individuals If the employer pays according to the corresponding proportion and its own payment standard, the maximum payment for urban employee medical insurance in a year can reach more than 10,000 yuan; while the minimum payment for urban and rural residents' medical insurance only needs to be a few hundred yuan per year; < /p>

4. Payment time

Urban employee medical insurance is paid on a monthly basis and is withheld monthly by the employer. Payment is required twelve times a year to participate as a flexible employee. Freelancers covered by employee medical insurance can choose to pay in one lump sum or monthly; while urban and rural residents’ medical insurance is paid annually and only needs to be paid once a year;

5. The reimbursement ratios are different

The reimbursement ratio of urban employee medical insurance is higher than the reimbursement ratio of urban and rural residents' medical insurance, because the payment of urban employee medical insurance is higher than that of urban and rural residents. In addition, the reimbursement ratio of retired employees' medical insurance is higher than that of active employees. should be higher;

6. Different retirement benefits

The retirement benefits of urban employee medical insurance are better than those of urban and rural residents, because the insured persons of urban employee medical insurance can Those who receive a certain monthly medical expense subsidy, and as long as they meet the corresponding payment period requirements, can enjoy lifelong medical treatment even if they do not pay after retirement; while participants in urban and rural residents' medical insurance do not have personal accounts. , when the retirement age is reached, you will not be able to receive monthly drug subsidies, and you will not be able to enjoy medical benefits if you do not pay;

7. The payment period requirements are different

There are corresponding requirements for urban employees’ medical insurance payments There are different regulations in different regions. Some regions require male employee medical insurance participants to pay for 25 years and female employees to pay for 20 years. Some regions require men to pay for 30 years and women to pay for 25 years. years, but the actual payment period needs to be at least 15 years; there is no payment period requirement for urban and rural residents’ medical insurance, and only those who have paid can enjoy the corresponding medical insurance benefits;

8. Different financing methods

The basic medical insurance fund of urban employee medical insurance is mainly funded by employers and individuals, while the urban and rural residents' medical insurance fund is funded by subsidies from local government departments and individual contributions.

To sum up, under normal circumstances, urban and rural residents’ medical insurance premiums are paid annually, and they need to pay medical insurance fees every year before they can enjoy medical insurance. Normally, the urban and rural residents’ medical insurance premiums for the next year are paid in December of each year. It should be reminded that the cost of medical insurance for urban and rural residents may be different every year. Users only need to complete the payment according to the amount displayed on the payment page.

Legal basis:

Article 28 of the "Social Insurance Law of the People's Republic of China"

Comply with the basic medical insurance drug catalog, diagnosis and treatment items, Standards of medical service facilities and medical expenses for emergency and rescue services shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit . The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.