Advantages and disadvantages of transferring rural insurance to social insurance

There are advantages and disadvantages.

First, the benefits of agricultural insurance to social security

1. Improve the level of protection: Compared with rural insurance, social security usually has a higher level of protection and a wider coverage. After farmers transfer to social security, they can enjoy higher pensions, medical insurance and other benefits, and better cope with the risks in life.

2. Promote urban-rural integration: the transfer of rural insurance to social insurance will help promote the process of urban-rural integration and narrow the gap between urban and rural areas. Through a unified social security system, fairness and sharing between urban and rural areas can be better realized.

3. Improve the mobility of labor force: the unification of social security system makes it more convenient for farmers to move between urban and rural areas, which helps to promote the rational allocation of labor force and the balanced development of the market.

Second, the disadvantages of rural insurance on social security

1. Cost increase: After rural insurance is converted into social insurance, the contribution ratio of individuals and units will usually increase, which may cause a certain burden to some farmers with poor economic conditions.

2. Redundant procedures: a series of procedures, including application, review and payment. It is required to transfer rural insurance to social insurance, which may be cumbersome and inconvenient for some farmers who are unfamiliar with the process or are not good at handling it.

3. Policy convergence: In the process of transferring rural insurance to social insurance, there may be problems of poor policy convergence, such as differences in treatment calculation and payment period determination, which may bring some trouble and inconvenience to farmers.

To sum up:

Turning rural insurance into social insurance has both advantages and disadvantages. Farmers should fully consider their own economic conditions, security needs and local policies when deciding whether to change. At the same time, the government and all walks of life should also strengthen propaganda, guidance and policy support for farmers to help them better understand and adapt to this change.

Legal basis:

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

Article 10 stipulates:

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.