Is unemployment insurance the same as employee medical insurance?

Unemployment benefit medical insurance and employee medical insurance are the same in some aspects, but they are different in other aspects.

First of all, what they have in common is that they are all set up to protect the medical rights and interests of the insured. Whether unemployed or on-the-job employees are sick or injured, they can get reimbursement of medical expenses through medical insurance. However, there are differences in payment methods, reimbursement ratio and coverage.

Payment method and reimbursement ratio:

1. Payment method: medical insurance for employees shall be paid jointly by units and individuals, and unemployment insurance shall be paid by unemployment insurance fund.

2. Reimbursement ratio: The reimbursement ratio of employee medical insurance and unemployment insurance may be different in different regions and hospitals of different levels. Generally speaking, the reimbursement rate of employee medical insurance may be higher.

3. Coverage: Employee medical insurance usually covers a wide range, including outpatient service, hospitalization, chronic diseases and special diseases. Medical insurance for unemployment benefits may only cover certain items or only provide partial reimbursement.

Therefore, when choosing and using medical insurance, you need to choose according to your actual situation and needs. If unemployment requires medical insurance, you can apply for unemployment insurance; If you are re-employed or have other medical insurance plans, you can choose other medical insurance plans according to the actual situation.

To sum up, whether it is unemployment insurance or employee insurance, it is to protect the medical rights and interests of the insured. The coverage, reimbursement ratio and deductible line of medical insurance are the same. This means that both unemployed people and employees can enjoy the corresponding medical insurance benefits when they need medical treatment due to illness or injury.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 51

Unemployed people who get sick and seek medical treatment during the period of receiving unemployment insurance benefits may apply to social insurance agencies for receiving medical subsidies in accordance with regulations. The standard of Medicaid shall be stipulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.