How to buy agricultural insurance and social security first?

You can only choose one of the new rural insurance and social security. If you buy social security, the new rural insurance will return the money to your payment card after payment. There is a conflict between the new rural endowment insurance and social security. New farmers are an important part of social endowment insurance, and they are mutually exclusive. Those who participate in the new rural endowment insurance cannot participate in the old-age insurance for urban workers or the urban housing insurance. But they can be transferred to each other, that is to say, they can't participate at the same time, but they can be transferred from the old-age insurance for urban workers to the new rural insurance, and the payment period is calculated together. You can only enjoy it once after retirement. Take the last participant as the collection standard.

The differences between the new rural cooperative medical system and social security are as follows:

1, different payment standards: in terms of payment amount, social security is much higher than the new rural cooperative medical system, which is around 200 yuan, while the minimum payment for social security is more than one year 1000 yuan, and the higher the salary, the higher the payment.

2. The reimbursement ratio is different: the medical insurance in social security is mainly used for medical reimbursement, including hospitalization medical expenses reimbursement, maternity allowance reimbursement and general outpatient medical expenses reimbursement; The new rural cooperative medical system, due to different regions, the reimbursement ratio is also different, the scope of outpatient reimbursement is greater than social security, in addition to hospitalization compensation and serious illness insurance; However, it can be seen from the proportion and scope of reimbursement in various hospitals that if you are in a township hospital, the reimbursement ratio of the new rural cooperative medical system is relatively high; If you are treated in a hospital above the municipal level, the proportion of social security reimbursement is relatively high, but both of them decrease with the improvement of hospital level!

3. Different coverage: social security mainly includes formal work or in cities and towns, and everyone can participate in social security; The new rural cooperative medical system can only be handled by rural hukou;

4. Different years of participation: men have paid social security and medical insurance for 25 years and women for 20 years. After reaching retirement age, you can enjoy exemption from inspection after retirement and still enjoy medical reimbursement; The new agricultural integration is paid once a year and only guaranteed for one year.

The new rural insurance payment can be paid by myself, remitted by relatives and friends, or collected by the village committee, as follows:

1, the new rural cooperative medical system can be paid by the insured payer himself with his identity certificate and household registration book, and generally goes to the local networked branch to pay;

2. If I am not at home and want to pay for the new rural cooperative medical system, I can ask my relatives and friends to pay, and my relatives and friends will bring their ID cards and accounts.

3, you can also give the money to the village Committee, which will pay the expenses of the new rural cooperative medical system.

To sum up: after paying the new rural insurance and social security, you can return the new rural insurance. Even if you are insured repeatedly, you can't receive two pensions after retirement.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 20

The state establishes and improves the new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.