What is medical insurance for residents?

Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in urban workers' medical insurance as the main participants. It is an important measure for the CPC Central Committee and the State Council to further solve the medical security problems of the broad masses of people and continuously improve the medical security system after implementing the basic medical insurance system for urban workers and the new rural cooperative medical system.

Mainly to make institutional arrangements for medical insurance for urban non-employed residents. The appearance of this system is of great significance in the process of social insurance system reform in China, which points out the direction for the reform of social insurance system in China.

The difference between residents' medical insurance and employees' medical insurance

First, face different people. Medical insurance for urban workers is mainly for employees and retirees who have work units or are engaged in individual economy. Medical insurance for urban residents is mainly for urban non-employees such as elderly residents, low-income objects, severely disabled people, students and children who have urban household registration and have no jobs;

Second, the payment standards and sources are different. Medical insurance for urban workers is jointly paid by employers and individual workers, and does not enjoy government subsidies. The payment standard of urban residents' medical insurance is generally lower than that of employees' medical insurance, and the government gives appropriate subsidies on the basis of individual contributions;

Third, the treatment standards are different. Due to the low level of financing, the medical treatment standard of urban residents' medical insurance is slightly lower than that of employees' medical insurance.

Fourth, the payment requirements are different. Urban workers' medical insurance has a minimum payment period, and when it reaches the payment period, they can enjoy basic medical insurance benefits without paying after retirement; There is no minimum payment period for urban residents' medical insurance, which must be paid every year. If you don't pay, you won't enjoy the treatment.

Legal basis:

Article 25 of the Social Insurance Law stipulates that the state shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Article 29 of the Social Insurance Law stipulates that the part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.