The difference between civil servants' medical insurance and employees' medical insurance

Civil servants' medical insurance reimbursement is higher than that of ordinary urban population, generally 90%. The equal payment of civil servants' medical insurance is more than that of ordinary urban population medical insurance into personal accounts. There are also civil servants' subsidies in civil servants' medical insurance. That is to say, when the medical expenses reach a certain amount, except for general medical insurance reimbursement, which is generally 90%, 10% paid by individuals is paid by civil servants' subsidies, and 80% to 100%. So you have to see the difference, that is to say, if it is a minor illness, you can't see the difference. If it is a serious illness, when it costs a lot of money, civil servants' medical insurance is not comparable to ordinary medical insurance. There are differences between enterprise employees and civil servants in medical insurance: the reimbursement degree of civil servants' medical insurance is higher than that of ordinary urban people. The equal payment of civil servants' medical insurance is more than that of ordinary urban population medical insurance into personal accounts. There are also civil servants' subsidies in civil servants' medical insurance. That is to say, when the medical expenses reach a certain amount, except for general medical insurance reimbursement, which is generally 90%, 10% paid by individuals is paid by civil servants' subsidies, and 80% to 100%.

Legal basis:

People's Republic of China (PRC) 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.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.