What's the difference between new rural insurance and social security?

Different payment standards: social security is much higher than the new rural cooperative medical system in terms of payment amount. The annual payment of the new rural cooperative medical system is only about 200 yuan, while the minimum social security payment is more than RMB 1000 per year. The higher the salary, the higher the payment.

The reimbursement ratio is different: the medical insurance in social security is mainly used for medical reimbursement, including hospitalization expenses reimbursement, maternity allowance reimbursement and general outpatient expenses reimbursement. Under the new rural cooperative medical system, due to the different reimbursement rates in different regions, the reimbursement scope of outpatient service is larger than social security service. In addition to hospitalization compensation, there is also critical illness insurance. It can be seen from the reimbursement ratio and scope of hospitals that the reimbursement ratio of the new rural cooperative medical system is higher in township hospitals, while the reimbursement ratio of social security is higher in municipal and above hospitals. However, the reimbursement rate decreases with the improvement of hospital level.

Different insurance coverage: social security mainly includes those who have formal jobs or are in this city, and can participate in social security; The new rural cooperative medical system can only be handled by rural hukou.

The number of years of insurance is different: in most areas, men need to pay 25 years of social insurance, while women need to pay 20 years of social insurance. Those who reach retirement age can enjoy exemption after retirement, but they still enjoy medical insurance reimbursement. On the other hand, the new rural cooperative medical system only lasts for one year.

Is there a conflict between the new rural insurance and social security?

There will be conflicts between paying wages at the same time. Because the new rural endowment insurance is an integral part of social endowment insurance, if you have already participated in the new rural endowment insurance, you can't participate in the endowment insurance for urban workers, but the two can be transferred to each other. Generally speaking, the fixed number of years for users to pay the endowment insurance for urban workers can be transferred to the fixed number of years for later participating in the new rural insurance.