Medical Insurance for Workers and Residents in Baotou City

Employment groups, such as government agencies, institutions, state-owned enterprises, private enterprises, organizations, etc. All of them are social insurance paid by the employer according to the labor law, which is five of the five insurances and one gold that we usually talk about the most. It consists of medical insurance, maternity insurance, industrial injury insurance, unemployment insurance and endowment insurance. These people's insurance paid by the unit for employees is called employee medical insurance.

Second, residents' medical insurance

In addition to participating in employee medical insurance, the medical insurance paid by oneself is based on the location of household registration. 20 17 according to the unified deployment of the State Council, the national medical insurance system for urban and rural residents has been integrated. That is, the original new rural cooperative medical system and urban residents' medical insurance are integrated, which is called urban and rural residents' medical insurance.

Third, the difference

Lies in the following five aspects:

1 is different in object orientation.

Residents' medical insurance is mainly aimed at unemployed residents, low-income households, students and children;

Employee medical insurance is aimed at working units or flexible employees, individual industrial and commercial households, etc.

2 Different sources of expenses

Individual contributions and financial subsidies for residents' medical insurance; The amount of general financial assistance is much more than that paid by individuals;

Employee medical insurance is jointly paid by units and individuals, with 8% for general units and 2% for individuals;

3 different payment standards.

Residents' medical insurance is paid annually, and there is a collection period. Generally, the annual fee is paid from September to 65438+February. If there is no payment during the collection period, there will be a certain waiting period, that is, you will not be able to enjoy the treatment for a while;

Employees' medical insurance is paid monthly, which is generally stipulated to be paid before the th of each month. There will be a late fee for overdue payment, and medical expenses incurred during the unpaid period will not be reimbursed first, but will be reimbursed after payment.

4 enjoy different treatment.

Residents' medical insurance payment is low, so the treatment is low, and the reimbursement ratio is generally around 45% ~ 65%;

Employees pay medical insurance on a monthly basis with high pay, and the reimbursement ratio is generally around 70% ~ 90%;

note:

(1) Employees will pay part of the money into personal accounts (except for self-employed individuals who have no accounts as a whole). Residents generally do not have personal accounts. Of course, some cities with better conditions will put some money into social security cards to buy medicine, but generally it will only cost tens of dollars.

② Regarding the reimbursement ratio, local policies are different. For the specific ratio, please call 12333 to consult the local community department.

(Example: Take Beijing as an example, specifically look at the reimbursement ratio of medical insurance for employees and medical insurance for urban and rural residents in 20 18 years.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.