Basic medical insurance for urban and rural residentsis a medical insurance system for urban minors and unemployed residents who are not covered by urban workers' medical insurance.
Basic medical insurance for urban and rural residents is mainly a systematic arrangement for medical insurance for urban non-working residents. The emergence of this system is of great significance in the course of China's social insurance system reform, pointing out the direction of China's social insurance system reform.
Basic medical insurance for urban and rural residents is a major step taken by the CPC Central Committee and the State Council to further solve the problem of medical insurance for the general public and to continuously improve the medical insurance system following the implementation of the basic medical insurance system for urban workers and the new rural cooperative medical system.
The difference between basic medical insurance for urban and rural residents and employee medical insurance:
One is the difference in the face of the crowd. The basic medical insurance for urban and rural residents is mainly oriented to working employees and retirees who have work units or are engaged in self-employment. The basic medical insurance for urban and rural residents mainly faces the urban household registration of the elderly residents who do not have a job, low-income recipients, the severely disabled, students and children and other urban non-employed people.
The second is the difference in contribution standards and sources. Basic medical insurance for urban and rural residents is paid for by employers and individual workers***, and is not subsidized by the government. The basic medical insurance contribution standard for urban and rural residents is generally lower than that of employees, and the government provides appropriate subsidies on the basis of individual contributions.
Third, the standard of treatment is different. The basic medical insurance for urban and rural residents has a lower level of financing, and the standard of medical treatment is generally slightly lower than that of employee medical insurance.
Fourth, the contribution requirements are different. The basic medical insurance for urban and rural residents set up a minimum number of years of contributions, the number of years of contributions (25 years for men, 20 years for women), after retirement, no longer contribute to the basic medical insurance benefits.