Is residents' medical insurance social security?

Residents' medical insurance is not social security, and there is a certain difference between them. Residents' medical insurance is a medical security system composed of government funding, residents' payment and free policies, aiming at ensuring residents' basic medical needs; Social insurance includes endowment insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. Under normal circumstances, enterprises or units pay a certain percentage of social security fees to ensure the rights and interests of employees in all aspects.

Although residents' medical insurance and social security are designed to provide protection, their nature and purpose are different. Residents' medical insurance refers to the medical security funded by the state finance and obtained by residents by paying a certain proportion of medical insurance premiums. In contrast, social security mainly includes pension insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. They are a safeguard measure against the risks and major events faced by employees and enterprises in the process of social and economic development, including pension, medical care, work injury, maternity and unemployment. Specifically, the main goal of residents' medical insurance is to provide a certain degree of protection for those who have not participated in employee social security and basic medical insurance for urban residents, so that they can obtain basic medical security and medical services. Social security, on the other hand, provides protection for employees within the normal working scope, coping with various difficulties and risks in life, including old age, unemployment and illness. In addition, the payment methods are also different: residents pay for medical insurance by themselves, and the national finance and local finance each contribute part of the funds, as well as other forms of free and preferential policy support and guarantee; Social security, on the other hand, is calculated by enterprises according to employees' basic salary and fixed benefits, and pays a certain percentage of expenses.

What is the difference between residents' medical insurance and commercial medical insurance? Residents' medical insurance belongs to the public medical security system stipulated by the state, which is supported by the government, paid by individuals and free of charge, and mainly meets the basic medical security needs of residents. Commercial medical insurance refers to the insurance services provided by insurance companies, aiming at helping the insured to obtain more comprehensive and better medical protection in the event of accidents or diseases. The main difference between them lies in their nature, scope of application and content of protection.

In short, residents' medical insurance is not social security. Although there is some overlap in providing medical insurance, there are differences in purpose, nature and payment methods. If you want to know more relevant information, it is recommended to consult a professional legal institution or medical insurance company.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 25 The State establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.