Is employee medical insurance social security?

Employee medical insurance belongs to social security, but it is not equal to social security.

First, the difference between employee medical insurance and social security

(A) the concept is different

Social security is the abbreviation of social insurance, which is a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. The main items of social insurance include old-age social insurance, medical social insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Medical insurance is the abbreviation of medical insurance, which is the insurance to compensate the medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste.

(B) Different roles

Social security can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, industrial injury insurance, unemployment insurance and maternity insurance. Because social insurance is a government act, it is mandatory. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the social responsibility and obligation of employers. Individuals can participate in social security as freelancers, and then they have to fulfill the obligation of timely, full and continuous payment. When the insured encounters the above problems, he can get relevant economic security. Medical insurance is mainly the guarantee that patients can pay medical expenses when they are sick.

The Relationship between Social Security and Medical Insurance

Second, social security is the full name of a series of social insurance. Social security consists of five parts: social endowment insurance, social medical insurance, social industrial and commercial insurance, social maternity insurance and social unemployment insurance. Social endowment insurance and social medical insurance are stipulated by the government that employers must buy for employees. And by the employer and the individual * * * the same level of insurance costs. The latter three types of social insurance are not compulsory. Actually, medical insurance is a kind of social security. Of course, there are medical insurance cards and social security cards in many places now. Medical insurance cards can be used to pay for patients' medical expenses. The social security card records the cardholder's social insurance payment, pension insurance personal account information, medical insurance personal account information, professional qualifications and skills, employment experience, work-related injuries and occupational diseases.

Three. Classification of medical insurance

There are three types of medical insurance: employee medical insurance, new rural cooperative medical insurance and urban residents' medical insurance.

Medical insurance for employees = basic medical insurance for urban employees = medical insurance in the "five insurances" paid by office workers; New rural cooperative medical insurance = new rural cooperative medical insurance, which is a farmer's mutual medical system organized by the government and considered by the government. Medical insurance for urban residents = medical insurance for urban residents. Insured persons are urban hukou personnel without medical insurance for insured employees, including children, the elderly and adults. At present, most parts of the country have merged the new rural cooperative medical system and urban residents' medical insurance into urban and rural residents' medical insurance.

legal ground

Article 2 of People's Republic of China (PRC) Social Insurance Law

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 when they are old, sick, injured, unemployed and have children.