Is rural insurance medical insurance or social security?

Agricultural insurance is neither medical insurance nor social security, but the abbreviation of rural social insurance, which is a social security system for rural residents. Rural insurance mainly includes rural old-age insurance and rural medical insurance, aiming at providing old-age and medical security for rural residents.

First, the basic concept of rural insurance

Agricultural insurance, namely rural social insurance, is an important part of China's social security system. According to the actual situation of rural residents, it establishes a social security system through the joint participation of the government, collectives and individuals, aiming at protecting the basic living rights and interests of rural residents. The main characteristics of agricultural insurance are wide coverage, moderate level of protection and strong sustainability.

Second, the difference between rural insurance and medical insurance and social security

1. medical insurance: medical insurance is an important system in China's social security system, and its main purpose is to provide medical expenses reimbursement services for the insured. Medical insurance participants include urban workers and urban and rural residents. The rural medical insurance in rural insurance is a medical insurance system for rural residents. Although both of them involve medical insurance, there are differences in the object of insurance, the scope of insurance and the standard of compensation.

2. Social security: Social insurance is a comprehensive concept, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Social security is mainly aimed at urban workers and provides them with all-round protection. However, rural insurance mainly focuses on rural residents' pension and medical security, and its scope is relatively small. Therefore, rural insurance cannot be simply equated with social security.

Third, the role and significance of rural insurance

The establishment of agricultural insurance system is of great significance for improving the living standards of rural residents and promoting social fairness and harmony. Through rural insurance, rural residents can get a certain pension in their old age and reduce the pressure of life; At the same time, rural medical insurance can also provide medical expenses reimbursement for rural residents and reduce the risk of poverty caused by illness. In addition, the agricultural insurance system also helps to promote rural economic development and social stability.

To sum up:

Agricultural insurance is neither medical insurance nor social security, but a social security system for rural residents. It mainly includes two parts: rural endowment insurance and rural medical insurance, aiming at protecting the basic living rights and interests of rural residents. Compared with medical insurance and social security, rural insurance is different in the object of insurance and the scope of protection. The establishment of agricultural insurance system is of great significance for improving the living standards of rural residents and promoting social fairness and harmony.

Legal basis:

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

Article 2 provides that:

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 20 provides that:

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.

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.