The difference between employee medical insurance and social security

First of all, 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.

Second, the role is different.

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.

What is the relationship between social security and medical insurance?

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. The above is the explanation of the good relationship between social security and medical insurance. 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, working experience, work-related injuries and occupational diseases.

Is the social security card the same as the medical insurance card? What is the difference?

There are functional differences. The medical insurance card can only be used for medical reimbursement and inquiry. Social security card contains this function, and can also be used to query other types of insurance. Generally speaking, the function of social security card is more comprehensive. In other words, the social security card is not a medical insurance card, which is very different from the medical insurance card.

Social security card is not a medical insurance card, that's for sure. Social security cards are more widely used than medical insurance cards. The medical insurance card can only be used for medical treatment and cannot be reimbursed. The role of social security card is particularly single and can't play much role. It completely covers the role of the medical insurance card and has functions that the medical insurance card does not have. Patients can use it to enjoy old-age care, medical insurance and so on, although it is particularly convenient to use. For example, the reimbursement rate of social security card is not particularly large, although the reimbursement rate is generally around 70%, but the reimbursement rate depends on the specific situation of the patient's medical treatment, such as how many drugs he has taken and how many tests he has done. According to the provisions of these projects, according to different reimbursement ratios, the actual reimbursement amount of social security cards is not particularly large, and patients still need to pay a lot of medical expenses, so it is particularly uneconomical in general. Generally speaking, social security card is more important than medical insurance card. You can take the social security card to the hospital to pay the bill directly, or you can use the social security card to reimburse the medical expenses. But you need to go to a specific medical insurance institution. Some hospitals can't directly reimburse with social security cards. Generally, the specific reimbursement ratio depends on which items the patient needs to reimburse. Some inspections can be directly reimbursed, and some are not allowed to be reimbursed, depending on the situation.

Social security card generally refers to the social security card of the People's Republic of China. The Social Security Card of the People's Republic of China is an integrated circuit (ic) card, which is uniformly planned by Ministry of Human Resources and Social Security and issued to the public by local human resources and social security departments, and used in various business fields of human resources and social security. Social security (individual) cards are issued to urban employees, unemployed people and retirees, and social security (employer) cards are issued to employers. Ministry of Human Resources and Social Security said that it will take about five years to make social security cards generally have financial functions.

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Apply for job registration and unemployment registration, apply for unemployment insurance, and apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online. The social security card adopts the national unified standard, and the social security number adopts the citizenship number in accordance with the relevant provisions of the Social Insurance Law. Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded. The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

To sum up, social security card is very useful and convenient, but its role in real life is not so extensive and the benefits it brings to people are not high. It is suggested that consumers can supplement some commercial medical insurance according to their own economic conditions.