Is it better to pay social security for rural hukou or urban hukou?

Whether paying social security is a good rural hukou or a good urban hukou depends on the individual's specific situation and needs.

1. Different security objects: the social security of rural hukou is mainly for rural residents, and the social security of urban hukou is for urban employment groups;

2. The security policy is different: the rural social security policy adopts the financing method of combining individual contributions, collective subsidies and government subsidies, while the basic old-age insurance for urban workers is compulsory;

3. Different payment ratios: The social security payment ratio of urban hukou is usually higher than that of rural hukou. For example, urban hukou units pay 20%, individuals pay 8% of endowment insurance, rural hukou units pay 10%, and individuals pay 5%;

4. Difference of medical insurance: Rural residents' social insurance is basic medical insurance, while urban employment groups' social insurance is occupational medical insurance, and they enjoy different preferential policies related to medical insurance.

Types and coverage of social security:

1, social security for urban workers: covering five major insurances: pension, medical care, unemployment, work injury and maternity;

2. Social security for urban and rural residents: mainly including endowment insurance and medical insurance, suitable for non-employees;

3. New rural social security: providing basic old-age care and medical security for rural residents;

4. Social security transfer and connection: it is allowed to transfer social security relations between different regions to ensure the continuity of rights and interests;

5. Social security subsidy policy: provide social security subsidies for low-income families, disabled people and other specific groups.

To sum up, the choice of rural hukou or urban hukou to pay social security should be based on personal circumstances and needs, taking into account the differences in protection objects, policies, payment ratio and medical insurance. For example, rural hukou social security pays more attention to individual and collective financing, while urban hukou social security contributions are high and mandatory, and the coverage of medical insurance is different.

Legal basis:

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

Article 20

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 21

The treatment of new rural social endowment insurance consists of basic pension and personal account pension. Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.

Article 22

The state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.