What is the difference between urban and rural medical insurance and social security medical insurance?

1, medical insurance for urban residents, a medical insurance system with urban minors and unemployed residents who have not participated in medical insurance for urban employees as the main participants;

2. Social Security Social insurance is a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons.

There is a big difference in definition between the two. Different objects are protected, and different projects are protected. The scope of social security is obviously wider. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Urban medical insurance is just medical insurance. 1, enjoy different ranges:

In terms of social security, medical insurance can't enjoy the reimbursement of hospitalization maternity medical care, employees who are diagnosed with serious chronic diseases can enjoy 17 diseases, and residents can enjoy 8 diseases.

2. Different reimbursement rates:

First, the proportion of hospitalization reimbursement is different. The reimbursement rate of employees in medical insurance is 92% for Class A and 70-80% for Class B; The proportion of hospitalization reimbursement for retired employees is 92% for Class A and 70-80% for Class B; The reimbursement rate of residents' medical insurance hospitalization is 80% and 70% in Class A and Class B hospitals respectively. 70% and 60% of Grade A and Grade B hospitals respectively; Class A and B in tertiary hospitals are 60% and 50% respectively. Second, the proportion of reimbursement for serious chronic diseases is different. The proportion of medical insurance reimbursement for employees is 75%, and that for urban residents is 50%.

The specific target of rural medical insurance is rural people, mainly people in agricultural registered permanent residence. The object of social security is people who are employed in cities and towns. People with units must pay social security, which is mandatory. The insured person can be a rural hukou or an urban hukou.

legal ground

People's Republic of China (PRC) (China) Social Insurance Law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.