职工医保和居民医保有什么区别？
<section data-role="paragraph"><section data-role="paragraph"><section><section data-role="paragraph"><section data-role="paragraph" style="letter-spacing: 0.578px;"><p style="text-align:center;line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">说起医保大家都知道</span></p><p style="text-align:center;line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">但许多小伙伴</span></p><p style="text-align:center;line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">并不清楚什么是职工医保</span></p><p style="text-align:center;line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">什么是居民医保</span></p><p style="text-align:center;line-height: 2em;"><span style="color: rgb(192, 0, 0);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;"><strong>职工和居民医疗保险有什么区别?</strong></span></p><p style="text-align:center;line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">一起来了解一下吧</span></p><section data-role="title" data-tools="135编辑器" data-id="94375"><section style="text-align: center;"><section style="width: 3.6em;display: inline-block;"></section></section></section><section data-role="title" data-tools="135编辑器" data-id="124020"><section style="margin: 10px auto;text-align: center;"><section style="display: inline-block;"><section style="display: flex;justify-content: center;align-items: center;flex-direction: column;"><section style="font-size: 16px;letter-spacing: 1.5px;padding: 6px 1.5em;color: rgb(255, 255, 255);background-image: -webkit-linear-gradient(left, rgb(64, 131, 255), rgb(64, 131, 255));"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">什么是职工医保和居民医保？</strong><strong data-brushtype="text"></strong></span></section><section style="width: 10px;height: 10px;border-left: 4px solid rgb(255, 255, 255);border-top: 3px solid rgb(255, 255, 255);align-self: flex-end;margin-top: -10px;"><br/></section></section></section></section></section><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>0</strong><strong data-original-title="" title="">1</strong><strong data-original-title="" title=""></strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">职工医保</strong><strong data-brushtype="text"></strong></span></section></section></section></section></section><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">职工医保指的是</span><span style="color: rgb(192, 0, 0);text-shadow: none;letter-spacing: 1px;font-size: 15px;"><strong>城镇所有用人单位</strong></span><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">，包括</span><span style="color: rgb(89, 89, 89); text-shadow: none; letter-spacing: 1px; font-size: 15px; text-decoration-line: underline;">企业(国有企业、集体企业、外商投资企业、私营企业等)、机关、事业单位、社会团体、民办非企业单位及其职工</span><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">参加的基本医疗保险。</span></span></p><p style="line-height: 2em;"><br/></p><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>0</strong><strong data-original-title="" title="" data-num="2">2</strong><strong data-original-title="" title="" data-num="2"></strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">居民医保</strong><strong data-brushtype="text"></strong></span></section></section></section></section></section><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">居民医保指的是</span><strong><span style="color: rgb(89, 89, 89); text-shadow: none; letter-spacing: 1px; font-size: 15px; text-decoration-line: underline;">没有参加城镇职工医疗保险的城镇未成年人和没有工作的居民</span></strong><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">为主要参保对象的医疗保险制度。</span></span></p><p style="line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">它是继城镇职工基本医疗保险制度和新型农村合作医疗制度推行后，党中央、国务院进一步解决广大人民群众医疗保障问题，不断完善医疗保障制度的重大举措。</span></p><section data-role="paragraph"><p><br/></p></section><section data-role="title" data-tools="135编辑器" data-id="124020"><section style="margin: 10px auto;text-align: center;"><section style="display: inline-block;"><section style="display: flex;justify-content: center;align-items: center;flex-direction: column;"><section style="font-size: 16px;letter-spacing: 1.5px;padding: 6px 1.5em;color: rgb(255, 255, 255);background-image: -webkit-linear-gradient(left, rgb(64, 131, 255), rgb(64, 131, 255));"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">职工医保和居民医保有什么区别？</strong><strong data-brushtype="text"></strong></span></section><section style="width: 10px;height: 10px;border-left: 4px solid rgb(255, 255, 255);border-top: 3px solid rgb(255, 255, 255);align-self: flex-end;margin-top: -10px;"><br/></section></section></section></section></section><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>01</strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">缴纳费用不同</strong><strong data-brushtype="text"></strong></span></section></section></section></section></section><p style="line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">职工医保年均缴费几千元，城乡居民医保缴费年均几百元。</span></p><p style="text-align:center;cursor: text;letter-spacing: 0.544px;caret-color: #ff0000;-webkit-tap-highlight-color: transparent;outline: 0px;line-height: 2em;visibility: visible;max-inline-size: 100%;font-family:system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>02</strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">参保对象不同</strong><strong data-brushtype="text"></strong></span></section><section style="color: rgb(183, 210, 255); text-align: center;"><br/></section></section></section></section></section><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">职工医保参保对象包括</span><strong><span style="color: rgb(89, 89, 89); text-shadow: none; letter-spacing: 1px; font-size: 15px; text-decoration-line: underline;">行政辖区内所有用人单位及其职工、无雇工的个体工商户、未在用人单位参加职工医保的非全日制从业人员及其他灵活就业人员</span></strong><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">。</span></span></p><p style="line-height: 2em;"><br/></p><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">城乡居民医保的参保人群主要是行政辖区内除职工医保应参保人员以外的其他</span><strong><span style="color: rgb(89, 89, 89); text-shadow: none; letter-spacing: 1px; font-size: 15px; text-decoration-line: underline;">所有城乡居民、在校学生、居住证持有人(有效)</span></strong><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">等。</span></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>03</strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">缴费时间及方式不同</strong><strong data-brushtype="text"></strong></span></section></section></section></section></section><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong><span style="color: rgb(89, 89, 89); text-shadow: none; letter-spacing: 1px; font-size: 15px; text-decoration-line: underline;">居民医保按年缴费，缴一次保一年</span></strong><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">，由居民本人缴费，同时会享受一定的政府财政补贴。</span></span></p><p style="line-height: 2em;"><br/></p><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong><span style="color: rgb(89, 89, 89); text-shadow: none; letter-spacing: 1px; font-size: 15px; text-decoration-line: underline;">职工医保按月缴费</span></strong><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">，单位职工缴费由单位按月代扣代缴，费用由单位和个人共同缴纳;灵活就业人员的医保费用由个人全额承担。</span></span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>04</strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">报销比例不同</strong><strong data-brushtype="text"></strong></span></section><section style="color: rgb(183, 210, 255); text-align: center;"><br/></section></section></section></section></section><p style="line-height: 2em;"><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;">职工医保和城乡居民医保是实行分类保障的，待遇与缴费挂钩。一般来说职工医保缴费更高，所以报销比例也会更高。</span></p><p><br/></p><section data-role="title" data-tools="135编辑器" data-id="120480"><section style="margin: 10px auto;display: flex;"><section style="flex-shrink: 0;padding-right: 7px;"><section style="border-width: 1px;border-style: solid;border-color: rgb(255, 216, 114);"><section style="font-size: 16px;color: rgb(255, 255, 255);background-color: rgb(64, 131, 255);text-align: center;padding: 6px 10px;transform: translate(5px, 5px);"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong>05</strong></span></section></section></section><section style="width: 100%;display: flex;transform: translateY(5px);" data-width="100%"><section style="flex-shrink:0;"><section style="width: 4px;height: 100%;background-color: rgb(255, 216, 114);"><br/></section></section><section style="width: 100%;background-color: rgb(247, 250, 255);display: flex;align-items: center;" data-width="100%"><section style="font-size: 16px;color: rgb(64, 131, 255);text-align: center;padding-right: 5px;padding-left: 10px;"><span style="font-family: Optima-Regular, PingFangTC-light;"><strong data-brushtype="text">医保账户不同</strong><strong data-brushtype="text"></strong></span></section></section></section></section></section><p style="text-align:justify;cursor: text;letter-spacing: 0.544px;caret-color: rgb(255, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;max-inline-size: 100%;line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="font-weight: 700; text-shadow: none; letter-spacing: 1px; font-size: 15px;">城乡居民医保</span><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">是没有医保个人账户的，参保人在缴纳医保后可持医保凭证(医保电子凭证/社会保障卡)就医，享受住院、门诊费用结算报销。</span></span></p><p style="text-align:justify;cursor: text;letter-spacing: 0.544px;caret-color: rgb(255, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;max-inline-size: 100%;line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:justify;cursor: text;letter-spacing: 0.544px;caret-color: rgb(255, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;max-inline-size: 100%;line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="font-weight: 700; text-shadow: none; letter-spacing: 1px; font-size: 15px;">职工医保</span><span style="color: rgb(89, 89, 89);text-shadow: none;letter-spacing: 1px;font-size: 15px;">有个人账户，职工个人缴纳的基本医疗保险费可计入个人账户,在享受住院、门诊费用结算报销待遇的同时，个人负担部分的费用可通过个人账户进行支付。</span></span></p></section></section></section></section></section><h1 style="font-size: 17px;letter-spacing: 0.578px;color: rgb(0, 112, 192);outline: 0px;visibility: visible;line-height: 2em;font-family:mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><section data-role="paragraph" style="outline: 0px;visibility: visible;max-inline-size: 100%;"><section style="outline: 0px;border-width: 0px;border-style: none;border-color: initial;z-index: 0;line-height: 2em;max-inline-size: 100%;"><section data-role="paragraph" style="border-width: 0px;border-style: none;border-color: initial;max-inline-size: 100%;outline: none 0px !important;"><section style="margin: 10px auto;padding-top: 5px;outline: 0px;max-inline-size: 100%;"><section><p style="line-height: 2em;"><span style="font-family: Optima-Regular, PingFangTC-light;"><span style="letter-spacing: 0.544px;caret-color: rgb(0, 112, 192);color: rgb(165, 165, 165);cursor: text;font-size: 12px;line-height: 1.5em;max-inline-size: 100%;outline: none 0px !important;">▌图文来源</span><span style="color: rgb(165, 165, 165);font-size: 12px;text-shadow: none;letter-spacing: 1px;">：福州市医疗保障局、福建医疗保障、本地宝综合整理</span></span></p></section></section></section></section></section></h1><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_q3Z" id="wcn_editor_css"/> 涨知识了 又学到了很多干货。
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