Is the rural medical insurance and social security the same as that paid by the factory?

Rural medical insurance and social security are different from those paid by factories.

It is suggested to participate in company insurance and cancel rural social security.

Reason:

1, the social insurance purchased by the company is generally full insurance, that is, five insurances (pension, medical care, unemployment, work injury and maternity), which is obviously much larger than rural medical insurance.

2. Starting from medical insurance alone, the company buys employee medical insurance, which is the most comprehensive and extensive form that the Social Security Bureau can provide, generally including hospitalization (about 60%-90%), serious illness (generally more than 80%), outpatient service (minor illness is also reported), and there is money to return your social security card every month. However, rural social security varies from place to place, generally ensuring hospitalization and little or no outpatient service.

3. Employee medical insurance is cumulative. Generally, if you buy 15 -20 years, you can continue to enjoy medical treatment when you reach retirement age, and you don't need to pay any more. Considering that you are old, you must see more doctors.

Extended data:

charge

1. Medical insurance institutions can collect fees through the "income deposit" bank, or by cheque, cash, wire transfer or cashier's check, and issue special receipts. The financial management department of the medical insurance institution reconciles with the bank every month and feeds back the receipt to the collection department.

2. The collection and payment department of medical insurance institutions shall, according to the payment of medical insurance premiums fed back by the financial management department, issue a "Social Insurance Premium Reminder Notice" to the insured units that fail to pay medical insurance premiums in full and on time after the declaration. If it is not implemented within the time limit, it shall provide relevant information and materials to the administrative department of labor security, which shall make corrections within a time limit.

3. Before 25th of each month, if the insured unit fails to pay the fee, a late fee of 2‰ will be charged on a daily basis from the date of default. It can be paid in one lump sum for one month, one quarter, six months or one year. If it is paid quarterly or annually, it should be paid at the beginning of the quarter or the beginning of the year. Temporarily unable to pay, can apply for holdover, holdover time shall not exceed 2 months.

(4) Payment of arrears

1. The collection department of the medical insurance institution shall establish arrears data information according to the arrears of medical insurance, fill in the Notice on Payment of Social Insurance Premium, and notify the insured unit to pay the arrears.

2. Due to financing difficulties, it is impossible to pay off the arrears of the insured unit in full in one lump sum, and the collection department of the medical insurance institution shall sign a social insurance payment agreement with it. In the case of merger, division, bankruptcy, etc. For defaulting units, overdue agreements shall be signed in the following ways.

(1) If the defaulting units are merged, a payment agreement shall be signed with the merging party.

(2) If the arrears unit is separated, it shall sign a payment agreement with each branch.

(3) If the defaulting unit enters bankruptcy proceedings, it shall sign a settlement agreement with the liquidation group.

(4) If the unit is sold or leased by auction, an overdue agreement shall be signed with the competent department.

3. The insured unit shall pay the social insurance premium according to the Notice of Payment of Social Insurance Premium or the payment agreement, and the collection department of the medical insurance institution shall accept the payment and notify the financial management department of the medical insurance institution to collect it.

4. The bankrupt unit can't pay off the arrears in full, and the collection department of the medical insurance institution accepts the application put forward by the bankruptcy liquidation group of the unit, and then sends it to the auditing and supervision department for handling.

5. The collection department of the medical insurance institution shall adjust the arrears information of the insured unit according to the overdue arrears information of the financial management department and the verification information of the audit supervision department.

References:

Baidu encyclopedia-medical insurance