Employee medical insurance and resident medical insurance are two different types of medical insurance in China, and there are some obvious differences between them. The following will make a detailed comparison and analysis of employee medical insurance and resident medical insurance from the aspects of definition, insurance objects, payment standards, treatment guarantees, and reimbursement ratios.
1. Definitions. Employee medical insurance refers to the basic medical insurance for urban employees, which is a kind of medical insurance jointly paid by units and employees.
Resident medical insurance refers to the basic medical insurance for urban and rural residents, which is a kind of medical insurance guided by the first organization, mainly paid by individuals, and supplemented by financial subsidies.
2. Insured objects.
The objects of employee medical insurance are all units and individuals participating in the basic medical insurance for urban employees in China.
The insured objects of resident medical insurance are mainly urban and rural residents, including students, children, the elderly and other unemployed people.
3. Payment standards.
The payment standard of employee medical insurance varies according to different regions and policies, and is generally paid by units and individuals, and the proportion of units paid is higher.
The payment standard of resident medical insurance is borne by the individual, and the corresponding financial subsidies will be provided according to different insured objects and regions.
Fourth, the treatment guarantee.
The treatment and protection of employee medical insurance are relatively high, including reimbursement and subsidies for hospitalization, outpatient, serious illness, etc.
The benefits of resident medical insurance are relatively low, mainly for inpatient and outpatient reimbursement.
5. Reimbursement ratio.
The reimbursement ratio of employee medical insurance is relatively high, and more than 70% of medical expenses can be reimbursed under normal circumstances.
The reimbursement ratio of resident medical insurance is relatively low, generally around 50%.
6. Payment method.
Employee medical insurance is paid on a monthly basis, and the insurance period of employee medical insurance is generally 1 month.
Resident medical insurance is paid annually, and the insurance period of domestic medical insurance is generally one year.
To sum up, there are obvious differences between employee medical insurance and resident medical insurance in many aspects. When choosing the type of insurance, you should choose according to your actual situation and needs.
Under normal circumstances, the treatment and protection of employee medical insurance is relatively high, and it is suitable for people with stable jobsResident medical insurance is applicable to the unemployed, students, children and other groups. Of course, the specific choice still needs to be judged and decided according to the actual situation of the individual.