Is there a conflict between urban residents' medical insurance and social insurance paid by the unit?

There is a conflict between urban residents' medical insurance and social insurance paid by the unit.

The medical insurance for urban residents is obviously in conflict with the medical insurance for employees included in social security paid by the unit. The purpose of employee medical insurance and resident medical insurance is to let themselves enjoy medical insurance reimbursement, but participating in two medical insurances can only enjoy one medical insurance reimbursement in the end. If both social insurances have been paid, you can go to the Social Security Bureau to return the part paid by the individual.

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.

The five major differences between employee medical insurance and resident medical insurance are as follows:

1, in the face of different medical insurance groups, employee medical insurance mainly covers all employees of urban employers, urban working-age residents (such as employees engaged in individual economy) and retirees enjoying pensions; The establishment of residents' medical insurance can be understood as the expansion of medical insurance coverage, mainly for people with urban household registration but no jobs, such as the elderly who do not enjoy pensions, unemployed people of working age, teenagers, disabled people and other low-income objects and non-employees in other cities;

2. Due to different payment standards, the medical insurance for urban workers pays monthly, and the financing level is high; Residents' medical insurance is paid annually, and the financing level is lower than that of employees' medical insurance;

3. Different sources of payment. Medical insurance for employees shall be jointly paid by employers and individuals. Generally speaking, the medical insurance expenses paid by employees account for 2% of their personal income, while the company's contribution ratio is about 6% of their income. In addition, employees' medical insurance does not enjoy government subsidies; Residents' medical insurance is paid by individuals and will enjoy certain government subsidies;

4. Treatment standard: The medical insurance for employees is higher than that for residents, and the reimbursement ratio is affected by different factors, ranging from 70% to 85% for general employees' medical insurance to 50% to 70% for residents' medical insurance. In addition, employee medical insurance has more choices in medical environment conditions, such as more hospitals;

5, payment requirements, employee medical insurance has provisions on the number of years of participation: 25 years for men and 20 years for women. After reaching the national statutory retirement age, you can enjoy basic medical insurance benefits without paying any fees; Residents' medical reimbursement has no payment period and needs to be paid once a year.

Article 12 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.