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What's the difference between residents' medical insurance and employees' medical insurance?
The basic medical insurance fund for employees consists of overall funds and individual accounts. The overall fund has a threshold and a maximum payment limit. In principle, the threshold is about 10% of the average annual salary of local employees, and the maximum payment limit is about 6 times of the average annual salary of local employees.
Medical expenses below Qifubiaozhun shall be paid by personal account or borne by individuals. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid from the overall fund, and individuals also have to bear a certain proportion. Medical expenses exceeding the maximum payment limit can be solved through large medical expenses subsidies for employees and commercial medical insurance.
Large medical insurance refers to the medical expenses that the insured exceeds the maximum payment limit of the basic medical insurance pooling fund due to serious illness or serious illness. On the basis of basic medical insurance, municipal medical insurance has established a large-scale medical insurance system.
Supplementary medical insurance is a kind of supplementary insurance to improve the level of insurance protection if the unit or individual has other needs after the unit and employees participate in the unified basic medical insurance.
There are many forms of supplementary medical insurance, such as enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance.
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