Basic social medical insurance includes: urban workers' medical insurance, new rural cooperative medical insurance, urban residents' medical insurance and so on. Difference:
Objects:
1, urban workers medical insurance is the most extensive medical insurance, which is often referred to as the "five insurance and one gold".
2, the new rural cooperative medical insurance, which is often referred to as the "new rural cooperative", the new rural cooperative is mainly funded by the government support, farmers can voluntarily participate in the new rural cooperative has been highly recognized in rural areas.
3. The urban residents' medical insurance is for minors who are not enrolled in the urban workers' medical insurance, or for residents who do not have a formal job to provide medical protection.
2. Different roles:
Medical insurance for urban workers compensates workers for financial losses due to the risk of illness. The New Rural Cooperative mainly focuses on the coordination of major diseases, so that farmers have access to comprehensive medical protection. Urban medical insurance further solves the problem of medical protection for the general public.
Three, the payment ratio is different:
Generally, the employer will pay five insurance and one gold for employees. Urban workers' medical insurance has the largest contribution and the largest reimbursement ratio. The new rural cooperative medical care requires that you must be a rural household member to be insured, and the reimbursement rate is around 50 percent.
Expanded:
The social significance of basic social medical insurance:
I. It is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. In turn, the establishment and improvement of the medical insurance system will further promote social progress and the development of production.
The second is to regulate income differences, reflecting social fairness. Medical insurance through the collection of medical insurance premiums and reimbursement of medical insurance service fees used to regulate income differences, is an important means of income redistribution of the government.
Thirdly, it is an important guarantee for maintaining social stability. Medical insurance provides financial assistance to sick workers, helps to eliminate social instability caused by disease, and is an important social mechanism for adjusting social relations and social conflicts.
Baidu Encyclopedia - New Rural Cooperative Medical Insurance
Baidu Encyclopedia - Basic Medical Insurance for Urban Residents
Baidu Encyclopedia - Basic Medical Insurance for Urban Workers