Do you still need to buy rural cooperative medical insurance after buying social security?

If you buy social security, you don't need to buy rural cooperative medical care.

The new agricultural integration is paid once a year, and the social security is paid in January. The word of the new rural cooperative medical system is just "new rural cooperative medical system". Obviously, there is no pension. It is best to join the "new rural insurance" or participate in other old-age security plans to increase the security in old age. Comparatively speaking, in addition to medical insurance, social security will also provide for the elderly, and when enterprises return, there will be unemployment, childbirth and work-related injuries.

Not only that, social security also has the function of "reimbursement in different places". If you need to see a doctor when you are sick, you don't have employee medical insurance, and you have a new rural insurance, then you can only go back to your hometown for reimbursement, not in other places.

In addition, in municipal hospitals, the reimbursement amount of the new rural cooperative medical system is much lower than that of social security. If you are in a rural township hospital, the reimbursement rate of the new rural cooperative medical system is higher than that of social security, and if you are in a municipal hospital, the reimbursement rate of social security is higher than that of the new rural cooperative medical system.

Everyone should choose the insurance that suits them according to their long-term residence. After paying social security for a certain number of years, you can enjoy lifelong pension and lifelong medical care, but the new rural cooperative medical system does not have such rights.

The difference between social security and rural cooperative medical care

1, different definitions

Social security refers to the pension, medical care, unemployment, work injury and maternity insurance benefits given to workers by employers. The full name of rural cooperative medical care is the new rural cooperative medical insurance. Now it has merged with the medical insurance for urban residents to become the basic medical insurance for urban and rural residents, also known as the new rural cooperative medical system. It is a medical mutual aid and mutual aid system based on overall planning of serious illness, which is funded by individuals, collectives and governments, and farmers voluntarily participate.

2. Different laws and regulations

The social security of employees is compulsory, and both companies and individuals must pay the fees according to the regulations of the state during their employment. Rural cooperative medical care is voluntary payment, and farmers voluntarily participate. In addition, there are household registration regulations for the insured. Rural cooperative medical care can only be insured in rural areas, and there is no household registration requirement for employee social security.

3. Method of payment

Employees' social security needs to be paid every month, rural cooperative medical care once a year, and this year's payment is the guarantee fee for next year.

4. Payment standard

Employees' social security contributions are shared by units and individuals. The amount of payment is related to the individual's salary level. The higher the salary, the more money social security pays. The expenses of rural cooperative medical care are generally borne by individuals, and the state will subsidize a part of it, with a much smaller total.