What is the difference between the new rural medical insurance and employee medical insurance

We know that many employees in the workforce, in the employer not only purchased the employee health insurance, the same in the rural areas also have to buy the corresponding agricultural health insurance.

One, what is medical insurance

Basic medical insurance is what we often call social security in the medical insurance, is the state and society in accordance with certain laws and regulations, in order to provide protection to the coverage of laborers to provide protection for the basic medical needs of the sick and the establishment of the social insurance system.

China's basic medical insurance system includes basic medical insurance for urban workers, basic medical insurance for urban residents and the new rural cooperative medical care "three pillars", respectively, from the system to cover the urban working population, the urban non-working population and rural residents. This is the first time that we have seen the new rural cooperative medical care included in what we often call medical insurance, and there are already provinces that have integrated the new rural cooperative medical care and urban residents' medical insurance.

Urban workers' medical insurance, urban residents' medical insurance and the new rural cooperative medical insurance cannot be duplicated, and residents who are duplicated will be allowed to choose one of the insurance policies. Premiums for the other will be refunded when they are accounted for.

Second, what is the difference between the employee health insurance and the new rural medical insurance

1, the objects covered are 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 shall be decided by the people's governments of the provinces, autonomous regions and municipalities directly under the central government.

The New Rural Cooperative must have a rural household registration.

2. The main body of contribution is different.

Employee medical insurance is mandatory by the state through legislation, employers and individual members of the community **** 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, the farmers voluntarily participate in the 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 the employee *** 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.

Employee basic medical insurance contributions and personal wages, in accordance with the relevant provisions of the proportion of standard payment, divided into several grades can choose, the general unit to bear 8%, individuals bear 2%. The contribution standard of employee medical insurance is much higher than that of the new rural cooperative.

New rural cooperative medical contribution standards are 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, each place according to their own situation to set up the contribution of the grade, different provinces and cities, because of different economic levels, the contribution standard is different, the specific amount can call the local social security bureau telephone 12333 for free advice. Xiaobao here new rural cooperative contribution this year is 150 yuan.

5, the reimbursement rate is different.

Employee basic medical insurance participants have a personal account, there will be regular expenses transferred to 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.

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.

Summary of the new rural cooperative is to cover the rural areas, the contribution standard and treatment is relatively low, while the employee health insurance is to cover employees and retirees, the reimbursement rate and the level of treatment is also much higher than the new rural cooperative, the conditions or should participate in the employee health insurance.

Article 25 of the Social Insurance Law states that the state shall establish and improve the basic medical insurance system for urban residents. Basic medical insurance for urban residents is a combination of individual contributions and government subsidies. The government shall subsidize the part of the individual contributions required by those who are entitled to the minimum subsistence guarantee, persons with disabilities who have lost the ability to work, and elderly persons and minors over 60 years of age from low-income families. Article 26 The basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents in accordance with national regulations.