The difference between primary and secondary health insurance for residents.

1. Difference 1. The payment ratio is different. The first payment rate of medical insurance is 8.2%, the unit payment is 6.2%, and the individual payment is 2%. The payment base is the actual salary of employees (the minimum is 4488 yuan), and the total payment is 368 yuan;

The contribution rate of the second-grade medical insurance is 0.8%, the unit contribution is 0.6%, and the individual contribution is 0.2%. The payment base is the average monthly salary of employees in the previous year (now 7480), and the total payment is 59.8 yuan;

2. Difference 2. Applicable people are different. The first file of medical insurance: deep households are forced to buy one file, and non-deep households can also buy one file, such as listed companies of well-known large companies; Second-class medical insurance: Generally, companies pay second-class medical insurance, because enterprises also have benefits.

3. Difference 3. The principle of seeking medical treatment is different. First-class insured: any designated medical institution in this city for medical treatment; The second class insured person goes to the bound social health center for medical treatment, is hospitalized in any designated medical institution in the city, and is seriously ill in the prescribed medical institution.

Difference three, hospitalization reimbursement is different. Grade I: 90% of the hospitalization report, requiring hospitalization in a designated hospital; Hospitalization report 90%, need to be hospitalized in designated hospitals;

4. difference 4. Outpatient reimbursement is different. The first file: continuous insurance 12 months, and 70% can be reimbursed if the annual self-expense exceeds RMB 3 1, 3 1; Social health report 30%; Large equipment inspection report 80%;

The annual outpatient fee is 1 000 yuan, which needs to be bound to the community health hospital. Maximum single examination and treatment of large-scale outpatient equipment 1.20.

5. Difference 5. The time requirements for enrollment are different. The insured person has been insured for one consecutive year, and the average salary of supermarket employees is 5% of the basic outpatient medical expenses and supplementary medical expenses paid by himself in the same medical insurance year;

More than 70% (80% over 70 years old) shall be paid by the overall fund as required. The secondary insured has no specific time requirement.

Legal basis:

Article 29 of People's Republic of China (PRC) Social Insurance Law

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.