What is the difference between rural insurance and medical insurance?

There are differences between rural insurance and medical insurance:

1, different insured objects

The insured object of rural cooperative medical insurance is rural registered residents, and the insured object of medical insurance is on-the-job employees or urban residents.

2. The warranty period is different

Rural cooperative medical insurance is guaranteed for one year, and the medical insurance in social security needs to be paid continuously for at least 15 years to enjoy lifelong medical insurance benefits.

3. Different reimbursement rates

The reimbursement rate of rural cooperative medical insurance is low, while the reimbursement rate of medical insurance in social security is high.

4. Is there a personal medical insurance account?

Rural cooperative medical insurance has no personal medical insurance account, while medical insurance in social security has personal medical insurance account.

5. Different coverage groups

Only farmers can participate in rural medical insurance. Social security is a medical insurance fund jointly established by employers and individuals. It is a social insurance system established by the state to compensate the economic losses suffered by workers due to disease risks. Township enterprises, employees, owners of urban individual economic organizations and their employees should also be included in the basic medical insurance coverage.