What is the difference between residential insurance and enterprise retention?

Legal analysis: 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 employees 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% for Class A and 70-80% for Class B; The proportion of hospitalization reimbursement for retired employees is 92% for Class A and 70-80% for Class B; The reimbursement rate of residents' medical insurance hospitalization 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%.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.