What is the difference between rural cooperative medical insurance and social medical insurance? Can I buy it at the same time?

What is the difference between rural cooperative medical insurance and social medical insurance? Can I buy it at the same time? 1. The payment actors are different.

Employee medical insurance refers to the establishment of a medical insurance stock fund by the employer company and members of the social development team jointly paying medical insurance premiums according to the mandatory requirements of the law.

Rural medical insurance is correctly guided and applied by state institutions, with the participation of farmers. Farmers themselves, organizations and government departments raise funds in various ways, and coordinate rules and regulations for farmers' medical care and mutual assistance for serious illness.

2. Different payment methods.

Rural medical insurance is the participation of farmers themselves, and it is impossible to improve farmers' own annual payment standard by combining individual payment, group assistance and government support. According to the regional economic development, the payment standard is 100 yuan per year. In 200 yuan, 300 yuan, 400 yuan and 500 yuan, each region sets the payment level according to its own specific situation, so it is natural to pay more. Personal social security is paid jointly by employers and employees. The employer's contribution rate should be adjusted to about 6% of the employee's salary, and the employee's contribution rate is generally 2% of his salary.

3. The targets covered are different.

Medical insurance for employees covers all employers in cities and towns, including employees of companies (collective ownership, state-owned enterprises, foreign-invested enterprises, private enterprises, etc.). ), institutions, administrative organs, mass organizations, non-profit enterprises, etc. Whether township enterprises should participate in the decision-making of state government departments. Only agricultural registered permanent residence can apply for the new rural endowment insurance.

4. The payment standard is different.

The proportion of medical insurance payment in big cities is linked to wages and paid according to relevant requirements. General enterprises bear 8%, and I bear 2%. The payment ratio is much higher than that of the new rural cooperative medical system. Because the new rural cooperative medical system is self-made and there are differences in different regions, farmers' good friends can choose the level they must pay according to their own needs.

5. The reimbursement rate is different.

The social security payer of employee's basic medical insurance has a personal account, and the expenses will be classified on time, with a high reimbursement rate, a minimum standard payment and a high amount, and the medical expenses will not be capped. The basic medical insurance for employees can be enjoyed for life after the payment period of social security personnel expires. The new rural cooperative medical system has no private account, and the reimbursement rate is lower than the basic medical insurance for employees, and the amount is lower, and it is reimbursed once a year.

6. The reimbursement categories are different.

The reimbursement rate of the new rural cooperative medical system is higher in rural urban hospitals, and the reimbursement rate of hospitals above prefecture level is lower than that of individual social security, but both of them decrease with the increase of hospital level.