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What's the difference between residents' medical insurance and employees' medical insurance?
The differences between employee medical insurance and resident medical insurance are as follows:
1, different insured objects
Medical insurance for employees: the insured objects are relatively narrow, mainly employees of enterprises and institutions, retired insured employees or flexible employees.
Residents' medical insurance: the coverage is wider, from children to the elderly, and people who have not participated in employee medical insurance can buy residents' medical insurance.
2. The payment entities are different.
Employee medical insurance: it is divided into two parts: unit payment and individual payment, which are handled by the unit, one part of the unit Jiaotong University and a small part of the individual.
Medical insurance for residents: All expenses shall be borne by individuals.
3. The payment amount is different
Employee medical insurance: the amount is relatively high, and it is paid in a certain proportion every month, and the proportion varies from place to place. For example, the first-class medical insurance in Shenzhen, the company bears 5.2%, and the individual pays 2%, with a total amount of at least 3,000 yuan per year.
Residents' medical insurance: the payment is small, generally only two or three hundred yuan.
4. Different payment methods
Employee medical insurance: paid on a monthly basis, generally before the th of each month. If the payment is suspended for more than 3 months, the overall account will be cleared and you cannot enjoy reimbursement.
Medical insurance for residents: paid annually, generally from September to 65438+February each year.
5. Different reimbursement treatment
Employees' medical insurance benefits are higher than residents' medical insurance, and the reimbursement rate of employees' medical insurance is 80%-90%, while that of residents' medical insurance is 50%-70%.
6. There is no personal account for residents' medical insurance.
Employee medical insurance has a personal account, and the money in the personal account can be used to see an outpatient clinic or buy medicine. Residents' medical insurance does not establish personal accounts.
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