The difference between community medical insurance and social security

What's the difference between community medical insurance and social security?

Community medical insurance and social security are two different concepts, which are different in the following aspects:

The insurance object and scope are different: Community medical insurance is mainly aimed at urban residents, including minors, students, unemployed residents and other specific groups, aiming at providing them with medical security. Social security covers all citizens, including workers, farmers, freelancers and other groups, and aims to provide them with pension, medical care, unemployment, work injury and maternity protection.

Different payment methods and standards: the payment methods and standards of community medical insurance vary from region to region and are generally determined by the local government according to the actual situation. The payment methods and standards of social security are uniformly stipulated by the state, including the proportion and base of payment.

The insurance treatment and reimbursement ratio are different: the insurance treatment and reimbursement ratio of community medical insurance is relatively low, which is mainly used for reimbursement of medical expenses of urban residents. The insurance benefits and reimbursement ratio of social security are relatively high, including medical insurance, endowment insurance, unemployment insurance, work injury insurance, maternity insurance and many other aspects.

To sum up, there are differences between community medical insurance and social security in terms of insurance objects and scope, payment methods and standards, insurance benefits and reimbursement ratio. What kind of insurance to choose specifically needs to be decided according to the actual situation and needs of individuals.

Legal basis:

"People's Republic of China (PRC) Social Insurance Law" and other relevant laws and regulations have clear provisions on the definition, payment methods and insurance benefits of community medical insurance and social security. Specific policies and regulations may vary from region to region. It is recommended that you consult the relevant policy documents in your area or consult the relevant departments for specific legal provisions.