Medical insurance for urban residents is a medical insurance system with urban minors who have not participated in medical insurance for urban workers and residents who have not participated in work as the main participants. After the implementation of the basic medical insurance system for urban workers and the new rural cooperative medical system, 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 the people and continuously improve the medical security 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.
From 65438 to 0998, China began to establish the basic medical insurance system for urban workers. In order to achieve the goal of basically establishing a medical security system covering urban and rural residents, the State Council decided to start the pilot project of basic medical insurance for urban residents in 2007.
20 16 65438+ 10/2 the State Council issued the "Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents", demanding that the medical insurance system for urban residents be integrated with the new rural cooperative medical system, and gradually establish a unified national medical insurance system for urban and rural residents.
In June, 20021year, the National Health Insurance Bureau, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued the Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 20021year.
Difference from employee medical insurance:
First of all, facing different groups. 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 non-urban employees such as the elderly, low-income households, severely disabled people and children who have no jobs in urban families.
Second, the payment standards and sources are different. Medical insurance for urban workers is paid by employers and individual workers and does not enjoy government subsidies. The payment standard of medical insurance for urban residents is generally lower than that of employees, and the government gives appropriate subsidies on the basis of individual contributions;
Third, the treatment standards are different. Due to the low financing level of medical insurance for urban residents, the standard of medical treatment is slightly lower than that of employee medical insurance.
Fourth, the payment requirements are different. Medical insurance for urban workers shall stipulate the minimum payment period. Those who have reached the payment period (25 years for men and 20 years for women) can enjoy basic medical insurance benefits after retirement without payment; Medical insurance for urban residents has no minimum payment period and must be paid every year. If they don't pay, they won't get treatment.