Is there a conflict between urban and rural residents insurance and social security?

1. There is no conflict between urban residents' medical insurance and social security.

2. A person can only enjoy one kind of social insurance benefits. If you have purchased old-age insurance and medical insurance for residents before, and now you have a work unit, you can apply for delaying the payment of old-age insurance and medical insurance for residents, and you can pay social security at the unit.

3. Medical insurance for urban residents The medical insurance system is based on urban minors and unemployed residents who have not participated in the medical insurance for urban employees. The differences between medical insurance and social security for urban and rural residents are as follows:

Medical insurance for urban residents is a medical insurance system with urban minors and unemployed residents who have not participated in medical insurance for urban workers as the main participants. Social Security Social insurance 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.

There is a big difference in definition between the two. Different objects are protected, and different projects are protected. The scope of social security is obviously wider. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Urban medical insurance is just medical insurance.

First, the scope of enjoyment is different:

In terms of social security, medical insurance can't enjoy the reimbursement of hospitalization maternity medical care, employees with serious chronic diseases (serious diseases) can enjoy 17 diseases, and residents can enjoy 8 diseases.

Second, the reimbursement ratio is different:

First, the proportion of hospitalization reimbursement is different. The reimbursement rate of employees in medical insurance is 92% in class A and 70-80% in class B. The reimbursement rate of retired employees in hospital is 92% in class A and 70-80% in class B. The reimbursement rate of residents in medical insurance is 80% and 70% in first-class hospitals, 70% and 60% in second-class hospitals and 60% and 50% in second-class hospitals.

Second, the proportion of reimbursement for serious chronic diseases (serious illness) is different: the proportion of reimbursement for medical insurance for employees is 75%, and that for urban residents is 50%.

Extended data

1. The medical insurance for urban workers is aimed at different groups of people, mainly at on-the-job workers and retirees who have work units or are engaged in individual economy. Medical insurance for urban residents is mainly for unemployed elderly residents, low-income households, severely disabled people, students and children with urban household registration.

2. The payment standard and source are different. Medical insurance for urban workers is paid by employers and individual workers and does not enjoy government subsidies. The payment standard of urban residents' medical insurance is generally lower than that of employees' medical insurance, and the government gives appropriate subsidies on the basis of individual contributions.

3. Different treatment standards. Due to the low level of financing, the medical treatment standard of urban residents' medical insurance is slightly lower than that of employees' medical insurance.

4, different payment requirements, medical insurance for urban workers set a minimum payment period, reaching the payment period (25 years for men and 20 years for women), and they can enjoy basic medical insurance benefits without paying after retirement. There is no minimum payment period for urban residents' medical insurance, which must be paid every year. If you don't pay, you won't enjoy the treatment.