What is the difference between flexible employment insurance and urban and rural residents insurance? What is the process of insurance for flexible employees and urban and rural residents?

Answer: Individuals pay medical insurance at their own expense. There are two options: medical insurance for flexible employees and medical insurance for urban and rural residents. Although both of them can directly swipe their cards for medical treatment and enjoy certain medical insurance benefits, many people don't know the difference between them, only that the cost difference is nearly 10 times.

First, the insured choose different medical insurance, the difference will be great, mainly including the following four points:

(A) the insured population is different

Flexible employment medical insurance belongs to the category of employee medical insurance, so the insured people are on-the-job employees, flexible employees and retirees who enjoy lifelong medical insurance benefits;

Residents' medical insurance is mainly aimed at residents who have no work units, covering children under 18, people who have not paid employee medical insurance, elderly residents, college students and so on.

(2) The payment situation is different.

Flexible employees who purchase employee medical insurance generally pay 6- 10% of the local average wage level in the previous year, and pay thousands of yuan every year, usually withholding and remitting monthly expenses through banks. Generally, men have to pay for 25 years, and women can enjoy lifelong medical insurance after 20 years of retirement;

Residents' medical insurance is paid once a year, and the annual payment is about several hundred dollars. After retirement, you need to continue to pay fees to enjoy medical insurance reimbursement.

(C) the reimbursement ratio is different

There are many designated hospitals for employees' medical insurance, and the reimbursement ratio is also high, usually around 70%, and the upper limit of reimbursement is around 200,000-400,000;

The proportion of medical insurance reimbursement for urban and rural residents is low, mostly at 50%, and the upper limit of reimbursement amount is about 654.38+ 10,000.

Different medical insurance accounts

Medical insurance for flexible employees in some areas is divided into personal accounts and overall accounts, and personal accounts will return a certain amount for medical deduction every month according to the situation; In most areas, residents' medical insurance generally does not set up personal accounts.

Therefore, according to different groups of people, the two kinds of medical insurance have their own advantages and play a huge role in ensuring people's lives.

Generally speaking, medical insurance for urban and rural residents is the most basic medical insurance, and it is entry-level.

Flexible employees have better medical insurance benefits, especially after a serious illness. Flexible employment medical insurance can play a good role in supporting the cost, but the payment is also high, and the insured can consider it comprehensively according to their own income.

As an insured group, you don't need to participate in these two medical insurances at the same time. Because even if you have already participated in two medical insurances, you can't enjoy the reimbursement of double medical insurances.

However, social security suggests that if there are economic conditions, it is recommended to give priority to flexible employment medical insurance and insist on participating in retirement medical insurance.

Two, flexible employment and urban and rural residents medical insurance procedures:

(1) Payment Registration:

Flexible employment medical insurance and medical insurance for urban and rural residents only need to register social insurance in social insurance agencies, and the payment registration is automatically completed by local tax authorities through information exchange with social insurance agencies, and individuals do not need to register with local tax authorities.

1, materials required for flexible employment medical insurance:

Eligible unemployed persons applying for social insurance subsidies shall apply to the labor security service center of the street (township) where their household registration is located, and provide the following materials:

(1) My unemployment certificate and ID card

(2) proof of individual payment of social insurance premiums

(3) Family income certificate issued by the community neighborhood committee.

(4) Unemployed persons who do not enjoy unemployment insurance benefits shall provide the individual payment voucher withheld and remitted by the original insured unit or their insurance certificate.

2, for urban and rural residents medical insurance required materials:

(1) Electronic medical insurance certificate or valid ID card or social security card.

(2) Household register

(3) If it is a special insured object, you can provide corresponding identification materials.

(2) Payment method:

Before 20 17 1, the original declaration and payment methods of flexible employment individuals and urban and rural residents who have registered social insurance remain unchanged.

2065438+2007 1 Flexible employees and urban and rural residents who have registered for social insurance can apply for payment by online payment declaration, bank withholding, real-time payment at bank outlets and self-service terminal payment on any day before 25th of each month during the payment period. Those who declare and pay in the local tax service hall shall declare and pay every month 16 to 25 during the payment period.

Take online payment declaration as an example:

Open the browser of Baidu 12.23.5. 10 in the LTSC version of Windows 10 Enterprise Edition.

(1) Log on to the online declaration platform for social insurance premiums of natural persons:

(2) click "first login registration"

Enter the mobile phone number, get the verification code and verify the mobile phone; Enter the ID number and check the payer's information; Enter and confirm the password.

SMS authentication supports mobile phone users of China Mobile, China Unicom and China Telecom.

(3) click "login declaration"

Enter the ID number, password and verification code to enter the declaration system.

(3) Click "Social Security Fee Declaration"

(5) Click "Pay"

The payer uses the online banking bank card to pay.

(6) If the declaration is wrong, you can click "Invalid Declaration" to declare again.

PS: If you need to inquire about the payment declaration information, you can click "Declaration Inquiry".