Is medical insurance equal to social security? What's the difference between them?

Medical insurance is not equal to social security. Different in concept, social security card is a kind of social security card, which is issued to the society by local human resources and social security departments and used in various business fields of human resources and social security. Medical insurance card is a special card for personal account of medical insurance, which uses personal ID card as identification code to store personal identity information and detailed information such as fund allocation and consumption in the account. However, it should be noted that only employees' medical insurance has personal accounts, and urban and rural residents' medical insurance now has no personal accounts.

Different functions, social security card not only has the function of medical insurance card, but also is an important voucher for handling various social security businesses, such as receiving unemployment benefits. However, the medical insurance card is limited to the medical insurance function and can only be used in hospitals or pharmacies to enjoy medical insurance benefits.

Card issuing departments and anti-counterfeiting features are different. Social security cards are issued to the public by local human resources and social security departments, while medical insurance cards are undertaken by local agents. The social security card has an independent key management system, which has strict issuance review and high safety factor; However, the medical insurance card has no social security card management system and is issued by the bank, so the safety factor is low.

Medical insurance cards are generally not allowed to be used in different places because of different scope of use. When seeking medical treatment in different places, you need to go through the relevant procedures and pay the medical expenses yourself first. According to the medical insurance reimbursement regulations, medical records, discharge summary, detailed list of expenses, medical expense settlement documents, etc. Treat in a foreign hospital, and then go back to the local area for reimbursement according to regulations. At present, social security cards will be gradually realized nationwide. According to the unified deployment of Ministry of Human Resources and Social Security, the social security card will be "multi-purpose for one card and universal for the whole country".

Ministry of Human Resources and Social Security has taken the social security card as the only proof for identification and direct settlement of medical treatment in different places. For example, Guangzhou, the first pilot city, has achieved instant settlement of 23 pilot hospitals. Social security is the abbreviation of social insurance, which mainly includes basic medical insurance, basic old-age insurance, maternity insurance, industrial injury insurance and unemployment insurance, which is what we often call "five insurances".

In layman's terms, social security is the insurance that companies buy for employees. Old-age care and medical care are the most important, as well as industrial injury, maternity and unemployment insurance. For the premium part, the individual pays a small part, and the unit helps us pay most.

What dad said above is the social security of on-the-job employees If he is not working, he can also buy social security, but he can only buy pension and medical insurance and pay in full. It can be seen that social security is divided into employee social security and personal social security. Similarly, medical insurance is also divided into employee medical insurance and resident medical insurance, in which on-the-job medical insurance pays monthly and resident medical insurance pays annual. Therefore, social security cannot be equated with medical insurance, and the scope of protection is different, but medical insurance is included in social security.

What is the function of social security? Most people do not know much about social security. Some friends even think that the company will deduct hundreds of social security every month. After deducting social security, the salary is much less. It is better to send the deducted money to your own hands. It can be seen that everyone has not realized the important role of social security, so dad will give you a brief talk. Social security consists of five parts: endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. Social security provides us with basic protection from these five aspects, and endowment insurance can solve the basic pension expenditure of employees after retirement; Medical insurance can solve some hospitalization and drug purchase expenses, which are familiar to everyone.