Is rural medical insurance social security?

Is rural medical insurance social security?

Rural medical insurance belongs to the category of social security, which is a medical security system provided by the state for rural residents.

Rural medical insurance, also known as the new rural cooperative medical insurance, is a medical security system organized, guided and supported by the government and voluntarily participated by farmers. Its purpose is to solve the problem of rural residents' poverty and returning to poverty due to illness, and to ensure the basic medical needs of rural residents.

The payment standard of rural medical insurance is usually determined by the local government according to the local economic situation and financial ability, which is generally divided into two parts: individual payment and government subsidy. Individual contributions are usually low, and government subsidies are shared by the central and local governments.

The coverage of rural medical insurance usually includes medical expenses such as outpatient service, hospitalization and serious illness. Within the scope of protection, rural residents can enjoy a certain proportion of medical expenses reimbursement, reducing the medical burden of rural residents.

Social security and rural medical insurance are different in the following six aspects:

1. According to different groups of people: social security is for urban residents, and rural medical insurance is for rural registered residents.

2. Different system management: rural medical insurance belongs to the business of the Health Bureau, and social security belongs to the system management of the Social Security Bureau.

3. Different financing levels: Social security and rural medical insurance have different financing levels and different reimbursement rates. The reimbursement rate of hospitalization expenses within the scope of urban workers' medical insurance policy is over 80%, and the reimbursement rate of hospitalization expenses within the scope of urban residents' medical insurance and new rural cooperative medical system policy is about 70% and 75% respectively.

4. Differences in reimbursement: the reimbursement rate of rural medical insurance is low, and the reimbursement rate of social security medical insurance is high.

5. Different payment years: rural medical insurance is generally paid once a year, and social security insurance is paid once a month.

6. Different guarantee years: rural medical insurance can get one-year guarantee as long as it pays a fee, while social security medical insurance can enjoy medical insurance benefits for life as long as the accumulated payment years meet the requirements.

Generally speaking, there are differences between social security and rural medical insurance in the aspects of security object, system management, financing level, reimbursement ratio, payment period and security period.

To sum up, rural medical insurance belongs to the category of social security and is a medical security system provided by the state for rural residents. Provide basic medical security for rural residents and alleviate the problems of poverty caused by illness and returning to poverty due to illness.

Legal basis:

Article 24 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The state establishes and improves the new rural cooperative medical system. The management measures for the new rural cooperative medical system are formulated by the State Council. "