What should I do if both the residents' medical insurance and the employees' medical insurance are paid?

Employee medical insurance and resident medical insurance cannot be paid together.

Generally speaking, employees' medical insurance and residents' medical insurance are two different social medical insurance systems, which are suitable for different groups of people, and their payment standards, coverage and reimbursement ratio are different. Therefore, employee medical insurance and resident medical insurance generally cannot be paid together.

However, if an individual meets the conditions of employee medical insurance and resident medical insurance at the same time, he can choose one of them to participate and the other not to participate within the specified time. For example, someone who meets the conditions of employee medical insurance and resident medical insurance at the same time can choose to participate in employee medical insurance at work instead of participating in resident medical insurance, or choose to participate in resident medical insurance in the community instead of participating in employee medical insurance.

Payment process of employee medical insurance and resident medical insurance:

1. Unit declaration: The employer needs to declare the basic information of the insured to the local social security management agency.

2. Determination of payment base: The payment base is generally based on the average monthly salary of the insured in the previous year, and then determined according to a certain proportion.

3. Determination of payment ratio: the payment ratio is the proportion that units and individuals should pay respectively.

4. Payment time: The employer shall pay the employee medical insurance premium to the local social security management institution within the specified time.

5. Social security agency audit: The local social security agency will audit the employee medical insurance information submitted by the employer, and will generate a personal social security account after the approval.

6. Personal account management: The medical insurance expenses in the personal social security account can be used to reimburse medical expenses and purchase medical insurance drugs.