Is the basic medical insurance for urban and rural residents medical insurance?

Medical insurance for urban and rural residents belongs to medical insurance coverage. Although the management mode and participation conditions of urban and rural residents' medical insurance are different from those of employees' medical insurance, they are all components of the basic medical insurance system, with certain coverage and standards.

Therefore, medical insurance for urban and rural residents can be regarded as a medical insurance system. Medical insurance includes medical insurance and commercial medical insurance, which can be divided into employee medical insurance and urban and rural medical insurance. Medical insurance has great advantages, which are incomparable to commercial medical insurance. The insurance threshold of medical insurance is relatively loose and there is no limit. Anyone who is willing to participate in the insurance can be insured, regardless of health or age, and can continue to be guaranteed for life, which is beyond the reach of commercial medical insurance.

The difference between medical insurance and medical insurance;

Medical insurance and medical insurance are both insurance to protect medical expenses, but there are some differences. Medical insurance is organized by the state and has certain policies, which belongs to the category of social insurance. The insured person can continue to participate in the insurance by paying the medical insurance fee according to a certain proportion. Medical insurance is the general name of all insurances that can guarantee medical expenses, including not only medical insurance, but also commercial medical insurance. Commercial medical insurance and medical insurance are both reimbursement insurance, and the insured needs to pay medical expenses first. Reimbursement of medical expenses with medical vouchers, although there are differences between medical insurance and medical insurance, they are interrelated. Commercial medical insurance is a supplement to medical insurance, especially when people match insurance products, many people will buy medical insurance and commercial medical insurance at the same time, making their protection more comprehensive. Moreover, most commercial medical insurance reimbursement needs to deduct the medical expenses that have been reimbursed by medical insurance. If there is no medical insurance, the insurance cost will increase and the reimbursement ratio will decrease. First, the basic medical insurance for urban residents is a project that benefits the people, and the insured can get many benefits from it. For example, when the insured is sick, especially some serious diseases, it can reduce the financial burden of the family to a certain extent.

The benefits of basic medical insurance for urban and rural residents are as follows:

1. When the insured is healthy, the insurance money paid can be used to help the sick insured, which fully embodies the spirit of mutual assistance of "one person is sick, and all families help each other".

2. The basic medical insurance for urban residents can help the insured relieve potential worries.

3. The funds raised as a whole shall be shared by finance and individuals. Different from general commercial insurance, the basic medical insurance for urban residents is sponsored by the government.

4. The threshold of basic medical insurance for urban residents is low. Residents can be insured regardless of their health or age.

5. After the insured is insured, during illness or hospitalization, eligible hospitalization and special disease outpatient expenses can enjoy medical expenses compensation, and the amount of compensation greatly exceeds the overall expenses paid by individuals, effectively preventing poverty caused by illness and returning to poverty due to illness.

Although the basic medical insurance for urban residents is compulsory, there are still many benefits. The basic medical insurance for urban residents has effectively solved the problem of "difficult and expensive medical treatment".

To sum up, the most important purpose of medical insurance is mutual assistance. Healthy people come to help sick people, and everyone puts a small part of their money together to form a large pool of funds. Maybe one day they are ill and need money badly. This pool of funds is preparation and the best guarantee.

Legal basis:

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

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.