Is cooperative medical care social security or medical insurance?

Cooperative medical care is medical insurance.

The main difference between medical insurance in "five insurances and one fund" and rural cooperative medical care lies in the undertaker, including projects and implementation methods. The "five insurances and one gold" medical insurance is shared by the state, enterprises and individuals, and the rural cooperative medical care is jointly funded by individuals, collectives and the government. Five insurances and one gold cover pension, medical care, unemployment, work injury and maternity insurance and housing provident fund, and rural cooperative medical care is only for medical security; Five insurances and one gold are compulsory social insurance, while rural cooperative medical care is a voluntary medical mutual aid system.

Types of medical insurance:

1. Basic medical insurance for urban employees: for on-the-job and retirees of urban enterprises, government agencies and institutions;

2. Basic medical insurance for urban residents: for non-employed urban residents, including minors, students and the elderly;

3. New rural cooperative medical system (NCMS): designed for rural residents, with family participation;

4. critical illness insurance: The protection provided for major diseases is usually used as a supplement to basic medical insurance;

5. Supplementary medical insurance for employees: the supplementary medical insurance provided by the unit for employees voluntarily;

6. Commercial medical insurance: provided by commercial insurance companies and purchased by individuals or units voluntarily, with more flexible and diverse coverage.

To sum up, there are significant differences between the medical insurance with five insurances and one gold and the rural cooperative medical system in terms of the subject, scope and nature of participation. The former is a comprehensive social security system shared by the state, enterprises and individuals, while the latter is a voluntary medical mutual aid mechanism based on individual, collective and government financing, focusing on providing medical security in rural areas.

Legal basis:

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

Article 24

The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.