Shanghai Newborn Social Security and Medical Insurance

Basic medical insurance includes basic medical insurance for employees, basic medical insurance for urban residents and new rural cooperative medical care. The differences between these three types of insurance are as follows:

First, the coverage is different. Medical insurance for urban workers mainly covers employers or employees and retirees engaged in individual economy; Urban residents' medical insurance mainly covers urban registered elderly residents without social insurance, working-age residents without jobs and social security, students, children, college students and other urban non-employees; The new rural cooperative medical system mainly covers rural registered residents.

Second, the payment standards and sources are different. Medical insurance for urban workers is jointly paid by employers and individual workers, and does not enjoy government subsidies. Urban residents' medical insurance and the new rural cooperative medical system are mainly paid by individual residents and subsidized by the government;

Third, the treatment standards are different. Due to the low level of financing, the medical treatment standard of urban residents' medical insurance and new rural cooperative medical system is generally lower than that of employees' medical insurance.

Fourth, the payment requirements are different. Medical insurance for urban workers is paid monthly, and the minimum payment period is set. Those who have reached the payment period (25 years for men and 20 years for women) can enjoy basic medical insurance benefits without paying fees after retirement; Urban residents' medical insurance and the new rural cooperative medical system are paid annually and for life, and they do not enjoy treatment without paying.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.