What does insurance category mean?

The insured category refers to different types of people who participate in social insurance according to different factors such as identity, occupation and payment method. In China, the main types of insurance include employee social security, urban and rural social security and commercial medical insurance. Because there are differences in the coverage, rates and treatment standards of different types of insurance, it is of great significance to choose the appropriate types of insurance for protecting individual rights and interests.

Employee social security is the most common type of insurance, which is suitable for employees, civil servants, public institutions and other people with fixed occupations. Generally speaking, employee social security is paid by employers and individuals, including medical insurance, endowment insurance, work injury insurance, maternity insurance and unemployment insurance. Through employee social security, the basic rights and interests of the insured can be effectively guaranteed and the living security level can be improved.

Social security for urban and rural residents applies to residents without fixed jobs, including farmers and urban residents. Different from employee social security, the payment methods and coverage of social security for urban and rural residents are also different. From the perspective of coverage, social security for urban and rural residents mainly includes basic medical insurance and basic old-age insurance. As a "two-legged" livelihood security system, social security provides a strong guarantee for the basic social security of urban and rural residents.