1.城乡居民基本医疗保险（居民医保）

适用对象：

外籍人士（持居住证）：针对未就业或无单位的外籍人员（如随行家属、自由职业者），可自愿参加海南城乡居民医保。

学生群体：在海南就读的外籍学生，学校通常统一购买学生医保。

2. 城镇职工基本医疗保险（职工医保）

与海南用人单位依法签订劳动合同、缴纳社会保险的外籍员工。

办理流程

就业人员（职工医保）

1. 用人单位需在海南社保局办理单位社保登记

2. 提交外籍员工资料

- 护照/港澳台居民证、工作许可、聘用合同等

3. 缴纳社保

-单位按月为外籍员工缴纳社保（含职工医保）

4. 医保卡发放

-社保局审核通过后，外籍员工可领取医保电子凭证或实体医保卡

学生（学生医保）

1. 学校统一申报

2. 缴纳费用

3. 医保生效

其他外籍人员（城乡居民医保）

家属、自由职业者、未就业人员

1. 到社保局申请

-持护照、有效居留证件、居住证明等到户籍所在地/居住地的社保大厅或海南省社保局官网申请城乡居民医保

2. 缴纳年度费用

3. 医保生效

- 缴纳完成后，次月起医保生效，可在定点医疗机构就医

商用医疗保险

1.不属于国家社会保险体系

- 个人/单位额外购买，保障范围和额度更高，主要是补充作用。

核心目标

解决外籍人员在华就医的费用分担问题，保障其基本医疗权利与身体健康。

一、参加职工基本医疗保险

《中华人民共和国社会保险法》规定，职工应当参加职工基本医疗保险，由用人单位和职工按照国家规定共同缴纳基本医疗保险费。无雇工的个体工商户、未在用人单位参加职工基本医疗保险的非全日制从业人员以及其他灵活就业人员也可以参加职工基本医疗保险，由个人按照国家规定缴纳基本医疗保险费。因此，如果外籍人士在中国有雇主或从事个体经济等活动，可以通过参加职工基本医疗保险来享受医疗保障。

二、购买商业医疗保险

除了参加上述公共医疗保险外，外籍人士还可以选择购买商业医疗保险。商业医疗保险通常由保险公司提供，可以根据个人需求和预算选择不同的保障计划。购买商业医疗保险时，外籍人士需要提供相关证件和信息，并仔细阅读保险合同条款以了解保障范围和免责条款等内容。

三、参加城镇居民基本医疗保险

具有中国城镇户籍的外籍人士

Health Insurance Policy

1. Basic Medical Insurance for Urban and Rural Residents (Resident Medical Insurance)

suitable object ：

Foreign nationals (holding residence permits): Unemployed or self-employed foreign individuals (such as accompanying family members or freelancers) may voluntarily enroll in Hainan's Urban and Rural Residents' Medical Insurance Program.

Student demographic: Foreign students studying in Hainan typically receive unified student medical insurance provided by the university.

2. Basic Medical Insurance for Urban Employees (Employee Medical Insurance)

Foreign employees who have signed labor contracts with employers in Hainan in accordance with the law and have paid social insurance contributions.

Processing Steps

Employed individuals (employee medical insurance)

1. Employers must complete the employer's social insurance registration with the Hainan Social Security Bureau.

2. Submit Foreign Employee Information

n Passport/Hong Kong, Macau, or Taiwan Resident Permit, Work Permit, Employment Contract, etc.

3. Contribute to social insurance

n The employer shall pay social insurance contributions (including employee medical insurance) for foreign employees on a monthly basis.

4. Medical Insurance Card Issuance

n Upon approval by the Social Security Bureau, foreign employees can obtain either an electronic medical insurance certificate or a physical medical insurance card.

Student (Student Medical Insurance)

1. The school submits the application uniformly.

2. Pay Fees

3. Medical insurance coverage has taken effect.

Other foreign nationals (urban and rural residents' medical insurance)

Family members, freelancers, and unemployed individuals

1. Apply at the Social Security Bureau

n To apply for the Urban and Rural Residents Medical Insurance, bring your passport, valid residence permit, or proof of residence to the social security office at your registered residence or place of residence, or visit the official website of the Hainan Provincial Social Security Bureau.

2. Pay the annual fee

3. Medical insurance coverage has taken effect.

n Upon completion of payment, the medical insurance coverage will take effect from the following month and can be utilized for medical services at designated healthcare institutions.

Commercial Medical Insurance

1. Does not fall within the national social insurance system

n For individuals or organizations purchasing additional coverage, the protection scope and amount are higher, primarily serving a supplementary purpose.

Core Objective

Address the cost-sharing issues for foreign nationals seeking medical care in China, ensuring their fundamental healthcare rights and physical well-being.

1、Participate in the basic medical insurance for employees.

The Social Insurance Law of the People's Republic of China stipulates that employees shall participate in the basic medical insurance for employees, with both employers and employees jointly paying the basic medical insurance premiums in accordance with national regulations. Self-employed individuals without employees, part-time workers not covered by employer-based basic medical insurance, and other flexible employment personnel may also enroll in the basic medical insurance for employees, paying the premiums individually as required by national regulations. Therefore, foreign nationals who have employers or engage in self-employed activities in China can enjoy medical coverage by participating in the basic medical insurance for employees.

II. Purchasing Commercial Medical Insurance

In addition to the aforementioned public health insurance coverage, foreign nationals may opt for commercial health insurance. Commercial health insurance is typically offered by insurance companies and allows individuals to select different coverage plans based on their needs and budget. When purchasing such insurance, foreign nationals must provide the required documents and information, and carefully review the policy terms to understand the scope of coverage and exclusion clauses.

III. Participation in the Basic Medical Insurance for Urban Residents

Foreign nationals with China urban household registration