The difference between employee medical insurance and civil servant medical insurance

There is no difference between employee medical insurance and civil service medical insurance.

Medical insurance for employees and medical insurance for civil servants are two different insurance systems, and there are significant differences in insured objects, treatment standards and management methods. Employee medical insurance is mainly aimed at employees of enterprises and institutions, covering a wide range, including basic medical insurance and maternity insurance. The standard of treatment is determined according to the salary level. Civil servant medical insurance is a medical insurance specially provided for civil servants and their families, and the insured object is more specific. The medical insurance standard of civil servants is relatively high, which usually includes basic medical insurance, supplementary medical insurance and other special treatment. In terms of management methods, employee medical insurance is managed by social insurance institutions, and civil service medical insurance is managed by civil service affairs management department or personnel department. Generally speaking, there are obvious differences between employee medical insurance and civil servant medical insurance in terms of insured objects, treatment standards and management methods, so it is necessary to choose a suitable medical insurance system according to specific conditions.

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

1, which shall be paid from the industrial injury insurance fund;

2, should be borne by a third person;

3, should be borne by public health;

4. Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

To sum up, there are obvious differences between employees' medical insurance and civil servants' medical insurance in terms of insured objects, treatment standards and management methods, so it is necessary to choose the medical insurance system that suits you according to the specific situation.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Maximum social security amount.