What is the basic medical insurance for residents?

The basic medical insurance for residents is an integral part of social medical insurance, and the relevant provisions are as follows:

1, the basic medical insurance for urban and rural residents is the basic medical insurance for urban and rural residents that all other urban and rural residents can participate in except those who should be insured in the basic medical insurance for employees;

2, combined with the basic medical insurance for urban residents to implement individual contributions and government subsidies;

3, the basic medical insurance fund for urban residents is mainly used for hospitalization and outpatient medical expenses of insured residents, conditional areas can gradually try out outpatient medical expenses as a whole.

What is the difference between basic medical insurance for urban and rural residents and medical insurance for employees?

1, different. The basic medical insurance for urban and rural residents is mainly for employees and retirees who have work units or are engaged in individual economy. The basic medical insurance for urban and rural residents is mainly for unemployed elderly residents with urban household registration, low-income recipients, severely disabled people, students and children and other urban non-employees;

2. The payment standard and source are different. The basic medical insurance for urban and rural residents is jointly paid by the employer and individual employees, and does not enjoy government subsidies. The payment standard of basic medical insurance for urban and rural residents is generally lower than that of employee medical insurance, and the government gives appropriate subsidies on the basis of individual contributions;

3. Different treatment standards. Due to the low level of financing, the medical treatment standard of basic medical insurance for urban and rural residents is slightly lower than that of employee medical insurance.

4. Different payment requirements. The basic medical insurance for urban and rural residents has set a minimum payment period. Those who reach the payment period (25 years for men and 20 years for women) can enjoy the basic medical insurance benefits without paying after retirement.

How to inquire about medical insurance for urban and rural residents

1, online query. The insured can log in to official website, the social security bureau where the registered permanent residence is located, find the query service column, enter the medical insurance account number/personal number, password, verification code and other information according to the prompt, and click Login;

2. Telephone inquiry. The insured can call the social security telephone number 12333 and follow the voice prompts to inquire about the personal account of the medical insurance card;

3. Counter-inquiry. The insured person can bring medical insurance cards, ID cards and other materials to the local medical insurance agency and give them to the counter service personnel, which will help to inquire about the payment details.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 24

The state establishes and improves the new rural cooperative medical system.

Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.