What's the difference between medical insurance and social security?

The difference between social security and medical insurance: social security is a system established by the state to ensure that citizens get material help in old age, illness, work injury, unemployment and childbirth, including pension, medical care, work injury, unemployment and maternity insurance. Medical insurance is a part of social security, including only basic medical insurance, and employees and individual industrial and commercial households pay fees according to regulations. The difference is: medical insurance is a kind of social security, with a narrow scope and a narrow application scope of the card, which can only be used in fixed areas and has a low level of protection; However, the scope of social security is wide, the application field of the card is wide, it can be used all over the country, and the level of protection is high.

Social security is the abbreviation of social insurance. According to Article 2 of the Social Insurance Law, the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to get material help from the state and society according to law in case of old age, illness, industrial injury, unemployment and maternity.

Medical insurance refers to basic medical insurance, which is a part of social security. Article 23 of the Social Insurance Law stipulates that employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Medical insurance and social security mainly have the following differences:

1, medical insurance is a kind of social security, and social security includes medical insurance, which covers a wider range;

2. The medical insurance card has a narrow application range and is only used for medical insurance. The social security card has a wide application range and can be used for human resources and social security.

3. Medical insurance cards can only be used in fixed areas, while social security cards are subject to national unified standards and are common throughout the country;

4. The medical insurance card has a low security level and is easy to be copied, and the social security card has a high security level.

Medical insurance and social security have different characteristics in protecting personal health and economic needs. Medical insurance is a way to obtain medical expenses compensation by purchasing insurance, which can provide economic security in the event of accidents or diseases. Usually purchased by individuals voluntarily, you can choose different insurance plans and insurance companies according to your personal needs. The advantage of medical insurance lies in its flexibility and individuality. You can choose an appropriate insurance plan according to your health status and budget.

Social security is a social security system established by the government, aiming at providing basic medical security and old-age insurance for all citizens. Social security is usually paid by both employers and employees, which is inclusive and mandatory. The advantage of social security lies in its wide coverage, which can provide basic medical insurance for most people, especially those who cannot buy private medical insurance.

Choosing medical insurance or social security should be decided according to the individual's specific situation. If you want to get more comprehensive and personalized medical insurance, you can consider buying medical insurance; If you want basic medical insurance and your employer provides a social security system, then social security may be more suitable for you. It is important to assess your health, financial affordability and demand for insurance, so as to make a wise choice. No matter which way you choose, it is very important to protect your health and economic security.

Medical insurance and social security have different characteristics in protecting personal health and economic needs. Medical insurance is a way to obtain medical expenses compensation by purchasing insurance, which can provide economic security in the event of accidents or diseases. Usually purchased by individuals voluntarily, you can choose different insurance plans and insurance companies according to your personal needs. The advantage of medical insurance lies in its flexibility and individuality. You can choose an appropriate insurance plan according to your health status and budget.

Social security is a social security system established by the government, aiming at providing basic medical security and old-age insurance for all citizens. Social security is usually paid by both employers and employees, which is inclusive and mandatory. The advantage of social security lies in its wide coverage, which can provide basic medical insurance for most people, especially those who cannot buy private medical insurance.

Choosing medical insurance or social security should be decided according to the individual's specific situation. If you want to get more comprehensive and personalized medical insurance, you can consider buying medical insurance; If you want basic medical insurance and your employer provides a social security system, then social security may be more suitable for you. It is important to assess your health, financial affordability and demand for insurance, so as to make a wise choice. No matter which way you choose, it is very important to protect your health and economic security.

Legal basis:

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

Chapter III Basic Medical Insurance

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.