Is universal health insurance the same as resident health insurance?

There is no difference between national medical insurance and urban and rural residents' medical insurance. Medical insurance for urban and rural residents is universal medical insurance.

At present, China's medical insurance policy is divided into basic medical insurance for urban workers and basic medical insurance for urban and rural residents. There is no difference between national medical insurance and urban and rural residents' medical insurance.

The basic medical insurance for urban workers and the basic medical insurance for urban and rural residents are mainly aimed at different groups of people. The basic medical insurance for urban workers is mainly aimed at employees of enterprises and institutions (including retirees) and freelancers. Medical insurance for urban and rural residents is aimed at people who have no jobs and cannot participate in employee medical insurance, such as students and children.

National basic medical insurance is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.

Medical insurance is one of the main types of "five insurances and one fund" in employee social security. Individual contributions are calculated according to wages, and individual contributions are 2% of wages. The unit payment varies from 5%- 1 1% according to local regulations. The two parts are added together and included in the medical insurance fund, and one part is returned to the personal account for general outpatient treatment or drug purchase in pharmacies. Workers need to pay medical insurance for 25-30 years after retirement, and women can enjoy exemption after paying for 20-25 years; Before retirement, if the medical insurance meets the basic payment period, it is still necessary to continue to pay until retirement.

legal ground

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 by the basic medical insurance fund in accordance with state regulations.