Which is better to buy agricultural insurance or social security?

Under normal circumstances, it will be better to transfer agricultural insurance to social insurance. If farmers have stable jobs in cities, or their own businesses are doing well, and their income and life are stable, then it is most appropriate to convert agricultural insurance into social insurance.

First, the difference between rural insurance and social security

There are essential differences between agricultural insurance and social security. Agricultural insurance is aimed at farmers, and social security is aimed at employees in enterprises. Agricultural insurance is mainly to solve the problem of farmers' old-age insurance, while social security belongs to social insurance, including old-age insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, with wider coverage and more generous welfare benefits. Agricultural insurance is paid by farmers voluntarily, and the state does not enforce it. Considering the actual situation of rural families, there are many grades of agricultural insurance, and farmers can choose the appropriate payment grade according to their own income. The agricultural insurance subsidy standard is above 30 yuan, and the higher the grade, the higher the subsidy. Social security is enforced by the state. China's "Social Insurance Law" stipulates that enterprises need to pay social security for employees, and the insurance premium is shared by enterprises and employees. The level of social security payment is much higher than that of rural insurance, and it is paid monthly, and it has to be paid 15 years. Both agricultural insurance and social security are overpaid, and the level of social security payment also depends on the positions, wages and welfare policies of employees. Good unit welfare, high wages, high social security level, and more benefits for employees.

Second, rural insurance has changed to social security.

1, stable income

In recent years, China's social security policy has been continuously reformed, and there is no obstacle between rural hukou and urban hukou, so farmers can enjoy the same treatment as urban residents. With the development of new countryside and the acceleration of urban-rural integration, the gap between rural and urban areas is narrowing, and farmers are no longer confined to working in the fields. More and more people are studying, working and starting businesses in cities, and many farmers have settled in cities and have stable jobs and incomes. In this case, they can pay social security in the city. At present, all enterprises, big or small, must pay social security for on-the-job employees in accordance with state regulations. If farmers work in enterprises, they can pay social security with their units. If you are doing business in the city or are a freelancer, you can pay social security as an individual as long as you have a stable income and want to pay social security yourself, but the cost is relatively high if you bear it personally.

2, rural insurance to social security.

China's "Interim Measures for the Connection of Urban and Rural Endowment Insurance System" clearly stipulates that those who participate in occupational insurance and new rural insurance or urban residence insurance can apply for the connection procedures of occupational insurance and new rural insurance or urban residence insurance after reaching the statutory retirement age stipulated by occupational insurance. Specifically, those who have paid the old-age insurance for urban workers for 15 years can convert rural insurance into social security, and after the transfer, they can receive pensions according to the calculation method of urban social security; If the payment period of social security is less than 15 years, you can apply to change social security into agricultural insurance, and the personal account of social security will be deposited in agricultural insurance, and the payment period will be calculated together, and the subsequent payment will be calculated according to the payment grade of agricultural insurance.

3. Procedures

The mutual transfer of agricultural insurance and social security is different in different regions. Some places are more convenient to transfer to each other, while others are very troublesome. You should know the local policies and the regulations of your unit. You can bring personal documents and related materials to the local social security bureau to handle agricultural insurance or social security related matters. If you want to transfer insurance, you need to ask the personnel department or financial department of your unit in advance, and write a certificate and seal in advance. Under normal circumstances, it will be better to transfer agricultural insurance to social insurance. If farmers have stable jobs in cities, or their own businesses are doing well, and their income and life are stable, then it is most appropriate to convert agricultural insurance into social insurance.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis:

People's Republic of China (PRC) Social Insurance Law (revised on 20 18)

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees.

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.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.