1. Civil servants' medical insurance reimbursement is higher than that of ordinary urban population, generally 90%.

2, the same payment of civil servants medical insurance than ordinary urban population medical insurance included in the personal account.

3. There are civil service subsidies in civil service medical insurance.

That is to say, when the medical expenses reach a certain amount, except for general medical insurance reimbursement, which is generally 90%, 10% paid by individuals is paid by civil servants' subsidies, and 80% to 100%.

So you have to see the difference, that is, if it is a minor illness, you can't see any difference. If it is a serious illness, when it costs a lot of money, civil servants' medical insurance is not comparable to ordinary medical insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.