Is the endowment insurance for urban and rural residents medical insurance?

Old-age insurance for urban and rural residents is a social insurance system that provides old-age security for urban and rural residents and aims to solve the problem of old-age care. Medical insurance is set up to solve people's medical expenses. Objectively speaking, the old-age insurance for urban and rural residents focuses on solving the problem of old-age care, and the medical insurance focuses on solving the medical expenses of the people.

Differences between Urban and Rural Residents' Endowment Insurance and Social Security

1, different payment groups

Urban and rural residents' old-age insurance payment targets are generally rural residents, low-income households and young students with local accounts; Social security is paid by flexible employees, employees and individual industrial and commercial households.

2. Different types of insurance

Endowment insurance for urban and rural residents refers to endowment insurance; Social security includes endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance.

3. Different payment methods.

The endowment insurance fee for urban and rural residents is fixed and paid in full by individuals; Social security is based on wages and paid in a certain proportion.

To sum up, endowment insurance and medical insurance for urban and rural residents are two different concepts. Endowment insurance for urban and rural residents is mainly to solve the problem of providing for the aged after retirement, and provide certain pension or pension subsidies.

Legal basis:

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

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

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The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

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Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.