Is rural cooperative medical care and endowment insurance the same thing?

1. Although endowment insurance and cooperative medical care are social insurance, the contents of insurance are different. 2. Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state through legislation to solve the basic life of workers who reach the statutory retirement age stipulated by the state or quit their jobs because of old age.

Cooperative medical care and social security cannot be paid at the same time. Can not be used at the same time, can not enjoy social security and cooperative medical care at the same time. The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and the treatment standards of new rural cooperative medical care and basic medical insurance for urban residents are implemented in accordance with state regulations.

The differences between comprehensive therapy and medical insurance are as follows:

1, different objects, medical insurance for urban workers, that is, medical insurance in a narrow sense, is mainly aimed at urban workers, while cooperative medical care is basically aimed at rural users;

2. The fees are different, the rural cooperative medical system is relatively low, and farmers pay their own fees; Medical insurance, on the other hand, charges are relatively high, and in many cases, individuals and units pay jointly;

3. Different guarantees. Rural cooperative medical care mainly covers a wide range, but many guarantees are relatively low; Relatively speaking, medical insurance will be more secure.

Medical insurance includes basic medical insurance for urban workers, new rural cooperative medical care, basic medical insurance for urban residents and commercial medical insurance. Medical insurance has all the characteristics of rural cooperatives, and rural cooperative medical care has only some characteristics of medical insurance. The cooperative medical system is mainly purchased and paid by people with rural hukou, while medical insurance is purchased and paid by people who are not in agricultural registered permanent residence. There are also some differences in reimbursement rates. Medical insurance can be fully reimbursed in designated hospitals or pharmacies, and cooperative medical care can only be partially reimbursed.

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

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) 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.

Seventy-fourth social insurance agencies through business handling, statistics, investigation and other means to obtain the data needed for social insurance work, the relevant units and individuals should provide timely and truthful. The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement. The social insurance agency shall timely, completely and accurately record the individual's personal rights and interests such as social insurance payment, employer's payment and social insurance benefits, and regularly send the personal rights and interests records to me free of charge. Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.