For urban employee medical insurance, in addition to on-the-job employees paying proportionally to the employer and individual employees, flexible employees generally pay in accordance with the payment standards jointly announced by the local medical insurance department and the financial department.

Here I take Chongqing City as an example. Chongqing City’s payment standards for 2020 are divided into two payment levels for employees’ medical insurance for flexible employment personnel.

The first-tier annual payment is 2,670 yuan, and the second-tier annual payment is 5,874 yuan.

This is similar to the more than 3,000 yuan and more than 5,000 yuan per year you mentioned.

So what is the difference between paying more than 3,000 yuan and paying more than 5,000 yuan a year?

First, there is a difference between whether there is a personal account.

If you pay more than 3,000 yuan per year, there is no personal account, only a pooled fund account is established, which is somewhat similar to urban and rural residents' pension insurance. Since there is no personal account, no money will be returned to the social security card every month, only if you are sick and hospitalized

Medical insurance expenses can be reimbursed only when you have paid; if you pay according to the monthly standard of 5,000 yuan, you must establish a personal account and a general fund account at the same time. Each month, according to your age structure, more than 2% must be returned to the individual.

Accounts, individuals can use their social security cards to buy medicines at designated pharmacies, go to hospital outpatient clinics to register for medical treatment, or use the money in their social security cards to pay for out-of-pocket medical expenses just like on-the-job employees.

However, whether you pay according to more than 3,000 yuan or more than 5,000 yuan, the payment years must be calculated cumulatively. Once the payment years specified by the local government department are reached, you can enjoy lifelong medical insurance benefits after retirement.

Second, the reimbursement treatment for different diseases is different.

Generally speaking, as long as you pay for employee medical insurance, the minimum payment standard for hospital treatment is basically the same, and the reimbursement ratio is also similar. However, the reimbursement treatment for diseases is different, especially for Class A drugs and Class B drugs.

The reimbursement standards are different.

Since the specific regulations vary from place to place, you need to consult the local medical insurance department.

For example, if you pay more than 5,000 yuan per year, all diseases on the medical catalog can be reimbursed, but if you pay more than 3,000 yuan per year, some diseases have to be reimbursed, and there are certain restrictions on the drugs used.

Therefore, in general terms, the medical reimbursement rate based on 5,000 yuan per year is higher than the reimbursement rate based on around 3,000 yuan per year.