Are social security, rural cooperative medical care and medical insurance the same?

I found that many netizens have asked questions online recently. Some netizens used to run rural cooperative medical care in their hometown, and later moved to work in the city, and the company helped him with social security. So I asked, Is there a conflict between rural cooperative medical care and social security? What is the difference between medical insurance and medical insurance? The following is a summary for everyone.

First, are rural cooperative medical care and medical insurance the same?

1, the objects covered are different.

Only farmers can participate in the new rural cooperative medical system, and the whole family must participate. The purpose of implementing this policy is to solve the problem of "poverty caused by illness and returning to poverty due to illness", reduce their economic pressure and ensure their basic health services.

The basic medical insurance for urban workers is a medical insurance fund jointly funded by employers and individuals, and it is a social insurance system established by the state to compensate workers for economic losses caused by disease risks. Moreover, it is stipulated that township enterprises, employees, owners of urban individual economic organizations and their employees should also be included in the basic medical insurance coverage.

2. Different payment methods.

The new rural cooperative medical system is voluntary participation of farmers, and the annual payment standard of individual farmers cannot be improved by combining individual payment, collective support and government funding. At present, the rural cooperative medical system is less than 10 yuan. Of course, the standards are divided according to the regional economic conditions. In areas with good conditions, the payment standard may be higher. The medical insurance payment standard is 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan, and all localities set the payment level according to their own conditions. Of course, it is better to pay more.

The basic medical insurance premium for urban workers shall be paid jointly by the employer and the employees. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the contribution rate of employees is generally 2% of their wage income. What Xiaojin wants to say is that the contribution rate of employers and employees will not remain unchanged, but can be adjusted accordingly with the development of the economy.

3. Different treatment

The new rural cooperative medical subsidy is different in different levels of medical institutions. The subsidy rate is 100 yuan for the first-class hospital in the county, 200 yuan for the second-class hospital and 500 yuan for the hospital outside the county. The proportion of subsidies is also different, 60% in the first-class hospitals in the county, 50% in the second-class hospitals, and 40% in the hospitals outside the county.

The basic medical insurance for urban workers means that the insured can enjoy one-time treatment of hospitalization, serious illness allowance and medical expenses for special diseases in addition to personal account expenses, which sounds like a lot of concessions. Different from rural cooperative medical care, medical insurance for urban workers is a way of combining unified accounts.

Second, is there a conflict between rural cooperative medical care and social security?

1. The medical insurance in rural cooperative medical care and social insurance is in conflict, so we can't agree to enjoy these two benefits. So there is no need to attend at the same time.

2. It is suggested to cancel the cooperative medical system and only participate in employee medical insurance. The rural cooperative medical system pays once a year, and there is no personal account balance, so there is no problem of fee transfer.

3. If you participate in rural old-age insurance, it also conflicts with the old-age insurance in social insurance. It is suggested to stop paying rural endowment insurance. Regarding the transfer of rural endowment insurance contribution share, you can go to the local social insurance agency for detailed consultation. As far as I know, there is no relevant law to deal with this problem.

Three. Relevant legal basis

Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Health and Other Departments on Establishing a New Rural Cooperative Medical System

I. Objectives and principles

The new rural cooperative medical system is a mutual medical assistance system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily, raising funds from individuals, collectives and the government, and focusing on serious illness as a whole. From 2003 onwards, all provinces, autonomous regions and municipalities directly under the Central Government should choose at least 2-3 counties (cities) to carry out pilot projects first, and gradually push them away after gaining experience. By 20 10, we will achieve the goal of establishing a new rural cooperative medical system covering rural residents throughout the country, reduce the economic burden of farmers due to illness, and improve their health level.

I'm here to sort out the information about these problems, hoping to help you.