Job Recruitment Website - Social security inquiry - What is the telephone number of Sichuan Dazhu Medical Insurance Bureau?
What is the telephone number of Sichuan Dazhu Medical Insurance Bureau?
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First, the difference between urban residents' medical insurance and workers' medical insurance:
1. Different protected objects
The target population of employee medical insurance is relatively narrow, mainly employees of enterprises and institutions, retired employees and flexible employees. Medical insurance for urban and rural residents covers a wider range of people, including people of all ages from young children to the elderly. Those who do not participate in employee medical insurance can participate in resident medical insurance. However, it should also be noted that medical insurance for urban and rural residents can only be participated in the household registration, and medical insurance for employees can be participated in the workplace.
2. Different payment subjects and payment methods.
Medical insurance for employees is generally paid by units and individuals on a monthly basis and handled by the unit. Generally speaking, you can enjoy medical insurance benefits next month after payment. Flexible employees can also participate in insurance as individuals, but they need to wait for a certain period of time to enjoy medical insurance benefits. Generally speaking, the vast majority of people participate in employee medical insurance through their work units.
Many people may have their medical insurance interrupted because of changing jobs and other reasons. Employees whose medical insurance contributions exceed a certain period (mostly three months) will be suspended from their medical insurance benefits. The period of interruption of payment is not included in the cumulative payment period of medical insurance. If the medical insurance premium during the interruption of medical insurance is replenished after continuing to pay, the interruption time can be included in the accumulated payment period.
Residents' medical insurance shall be borne by individuals and paid once a year. Individual residents can enjoy the medical insurance benefits for the whole year of the next year by going to the local community or village Committee to go through the insurance procedures for the next year from September to February of the following year. If they don't pay, they will no longer enjoy the medical insurance benefits for the next year.
3. The payment amount is different
The amount of medical insurance payment for employees is relatively high, and units and individuals pay according to a certain proportion every month. Even if the payment is made according to the minimum base, the total annual payment will be at least several thousand yuan. The medical insurance cost of urban and rural residents is relatively low, generally ranging from 180-300 yuan, far lower than that of employees.
4. Different reimbursement standards
The proportion of medical insurance reimbursement for employees is relatively high, generally 70%-90%. Moreover, after retirement, the cumulative payment has reached the national fixed number of years (generally, men pay 25 years and women pay 20 years, which will vary in different regions). Employees can still enjoy medical insurance reimbursement after retirement, and there is no need to continue to pay medical insurance fees. Within the time limit prescribed by the state, fees must be paid within the prescribed time limit. The proportion of medical insurance reimbursement for urban and rural residents is mostly 40%-80%, and they need to pay all the time to enjoy medical insurance reimbursement.
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