- Scope of insurance: the scope of urban workers' health insurance is the urban employers and their employees, and the flexible employment of people who have taken part in the basic pension insurance; the scope of the non-urban workers' health insurance is the scope of all the residents of cities and towns who do not belong to the scope of the basic medical insurance system for urban workers.
- Payment standard: The basic medical insurance premiums for urban workers are paid by both employers and employees***. Active employees pay 2% of their total wages, and employers pay 7.5% of the total wages of active employees. Retirees do not pay their own contributions, and the original employer pays 5% of the retiree's total retirement (pension) benefits. Flexibly employed persons pay 8% of the average salary of the city's on-the-job workers in the previous year. The basic medical insurance fee for urban residents consists of individual contributions and government subsidies, and the financing level is determined by a certain percentage of the per capita disposable income of urban residents in the previous year. Among them, school students and non-school children and teenagers under the age of 18 years old per person per year, the funding level of the city's last annual per capita disposable income of urban residents of about 1%; other non-working urban residents of the funding level of the city's last annual per capita disposable income of urban residents of about 2%.
- Contribution period: when urban workers' health insurance reaches the legal retirement age, after accumulating contributions for a certain number of years, they can no longer pay, and enjoy lifelong health insurance benefits; non-urban workers' health insurance requires lifelong contributions.
In addition, the reimbursement rates for the two types of health insurance are different, and the specific rates may vary depending on the region and hospital.