The Difference Between Farmer's Insurance and Medical Insurance

The difference between agricultural insurance and medical insurance is that agricultural insurance is a kind of pension insurance, medical insurance is medical insurance, they are different insurance programs, there are differences in the insurance treatment, participation fees and so on. In addition, the main difference between the new agricultural insurance and social security is that the protection object is different.

1, the new rural cooperative full name is "new rural cooperative medical care", is a farmer each year to pay a small part of the money, the state out of a large part of the composition of a reimbursement program. Must be a rural household to participate in the New Rural Cooperative, each person to pay the money each year only for the year, the next year to pay again to enjoy the New Rural Cooperative. The target group is farmers who are working at home and not working in the towns.

2, social security is the abbreviation of social insurance, social insurance is the state through legislative means, in the workers because of old age, illness, industrial injury, unemployment, childbirth and death, temporary or permanent loss of source of livelihood by the community to give a certain amount of material help social security system.

Which is more cost-effective,

New rural cooperative and medical insurance can be reimbursed for medical treatment, but the difference between the two is very big. The new rural cooperative is in the countryside must be a rural household to be able to, in order to participate in the new rural cooperative, the current year payment, the following year need to pay again to enjoy the new rural cooperative. Social security is the so-called five insurance, namely, pension insurance, unemployment insurance, work injury insurance, medical insurance, maternity insurance. The new rural cooperative and social security can not coexist, it is possible to convert each other.

The difference between the medical insurance and the new rural cooperative:

1, the object covered by the different employee medical insurance is all urban employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises, etc.), organs, institutions, social organizations, private non-enterprise units and their employees, are required to participate. Whether or not township and village enterprises and their employees, and owners of urban individual economic organizations and their employees participate in basic medical insurance is decided by the people's governments of each province, autonomous region and municipality directly under the central government. The New Rural Cooperative must have a rural household registration to be eligible.

2, the main body of different contributions to employee health insurance is the state through legislation mandatory, employers and members of the community individual **** with the payment of medical insurance premiums, the establishment of medical insurance fund. The new rural cooperative medical system is organized, guided and supported by the government, farmers participate voluntarily, individual, collective and government financing, with the main medical co-ordination of farmers' medical mutual **** relief system.

3, the payment method is different and medical insurance is mandatory, is the unit and employees *** with the payment, and need to pay time to reach a certain number of years. The new rural cooperative medical care is voluntary participation of farmers, and must be a family unit to participate in the whole household, and the need to annually for the insurance payment procedures.

4, the contribution standard is different from the basic employee medical insurance contributions and personal wages, in accordance with the relevant provisions of the proportion of the standard payment, divided into several grades can be selected, the general unit to bear 8%, the individual to bear 2%. Employee health insurance contribution standard is much higher than the new rural cooperative medical care. The new rural cooperative medical contribution standards are 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan per year, each place according to their own situation to set up the contribution of the grade, different provinces and cities, because of the different economic level, the contribution standard is different, the specific amount can be called the local social security bureau telephone 12333 for free consultation.

5, the reimbursement rate is different from the basic employee medical insurance participants have personal accounts, there will be a regular transfer of costs, the reimbursement rate is higher, there is a starting standard, the limit is higher, the medical expenses are not capped. Employee basic medical insurance participants can enjoy it for life after completing the contribution period. The new rural cooperative medical care does not have a personal account, the reimbursement rate is also lower than the employees' basic medical insurance, the limit is lower, and it is a yearly enrollment, the reimbursement enjoyed in the current year of enrollment.

6, the scope of reimbursement is different from the new rural hospitals in rural townships in the reimbursement rate is higher, to the municipal hospitals reimbursement rate relative to the social security less, but both are with the level of hospitals higher and lower.

Legal basis:

Article 30 of the Social Insurance Law of the People's Republic of China: The following medical expenses are not included in the scope of payment of the basic medical insurance fund:

1 should be paid from the workers' compensation insurance fund;

2 should be paid from the maternity insurance fund;

3 Should be paid by a third party;

4 Occurred during the period of stay outside the country.

Medical expenses shall be borne by a third person in accordance with the law, and if the third person fails to pay or if the third person cannot be identified, the basic medical insurance fund shall pay in advance. The basic medical insurance fund shall have the right to recover the costs from the third party after making the payment first.