What is medical insurance for residents?

Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in urban workers' medical insurance as the main participants. Mainly to make institutional arrangements for medical insurance for urban non-employed residents. Social security for residents includes medical insurance, endowment insurance, industrial injury insurance, unemployment insurance and maternity insurance. Endowment insurance is a social insurance system in which workers get certain economic compensation, material help and services from the government and society after reaching the legal retirement age. 1. Old-age insurance: Old-age insurance is a social insurance system that the government and society provide certain economic compensation, material help and services to workers after they reach the statutory retirement age. 2. Medical insurance: The basic medical insurance system for urban employees is a social insurance system established to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals. 3. Work-related injury insurance: Work-related injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased. 4. Unemployment insurance: Unemployment insurance is a system enforced by the state through legislation, and funds are set up by the society to provide material assistance to workers who temporarily suspend their livelihood due to unemployment. 5. Maternity insurance: Maternity insurance is aimed at the physiological characteristics of reproductive behavior. According to the law, when working women temporarily stop working and lose their normal source of income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services. The maternity insurance fund consists of the maternity insurance premium paid by the employer and its interest and overdue fine.

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.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Derivative problem:

How many kinds of medical insurance are there?

1. Basic medical insurance for urban workers: If you have a job, the regular unit will register with the social security department, which belongs to employee medical insurance. Generally speaking, companies pay 8% and individuals pay 2%. On-the-job, freelance or unemployed people can also pay employee health insurance, but the expenses need to be borne by individuals.

2. The new rural cooperative medical system: those who have no job and are registered in rural areas can participate in the new rural cooperative medical system normally. This kind of insurance, under normal circumstances, individuals only need to pay tens of dollars a year, and financial subsidies at all levels are several hundred dollars a year.

3. Basic medical insurance for urban residents: If you have no job and your household registration is in a town, you can participate in the medical insurance for urban residents, which is called the basic medical insurance for urban residents. Similar to the new rural cooperative medical system, this kind of insurance individual pays tens of dollars every year, and financial departments at all levels will subsidize hundreds of dollars.

4. Medical insurance for retired cadres: This kind of insurance is quite special. It is medical insurance for retirees and revolutionary disabled people, and it is basically reimbursed in full.