What's the difference between social security cards issued in rural areas and those issued by companies?

What's the difference between social security cards issued in rural areas and those issued by companies? On the surface, it really makes no difference. They are all called social security cards of the People's Republic of China, and their functions are all valid vouchers for paying social insurance, and they also have financial functions.

It looks the same on the surface, but it doesn't mean there is no difference. The difference is still great. Prime Minister, we are talking about the same place with the same name. They are all called "Social Security Card of the People's Republic of China". The serial numbers of social security cards are all my ID numbers, and the basic information recorded is basically the same. All are marked with name, gender, nationality, card number, etc. The contents of the records are the payment records of endowment insurance and medical insurance. When you are sick, you need to show your social security card, and you can go through hospitalization, expense reimbursement and settlement with them. The financial function is the same. As long as it is activated, you can deposit and withdraw money from the bank, receive basic pension, open mobile banking, and bind WeChat or Alipay.

Rural social security card and company social security card represent fundamentally different social insurance contents. Rural social security cards pay urban and rural residents' endowment insurance and urban and rural residents' medical insurance; The social security card issued by the company records the payment records of urban employee pension insurance, urban employee medical insurance, unemployment insurance, maternity insurance and industrial injury insurance. The old-age insurance for urban workers, medical insurance, old-age insurance for urban and rural residents and medical insurance all belong to the category of social insurance. The payment methods, payment levels and treatment guarantees of the two insurances are completely different, which can be said to be worlds apart.

L rural social security card holders pay endowment insurance for urban and rural residents, and the payment level is low, ranging from RMB 100 to RMB 9,000 per year in Beijing and RMB 3,000 to RMB 5,000 in most places. The calculation method of pension is different from the age of receiving pension; Medical insurance for urban and rural residents paid in rural areas is only paid in 200 yuan every year, and the reimbursement rate is relatively low, generally around 50%. Take the way of paying for one year and enjoying one year, and the payment period is not cumulative. After retirement, you need to continue to pay medical insurance to enjoy medical reimbursement.

Holders of company social security cards pay employee pension insurance and medical insurance. The payment base of endowment insurance is based on my actual salary, and companies and individuals bear the proportion of payment in proportion. Pay at least 8000 yuan to 1000 yuan every year. Men and women have different retirement ages. Men are 60 years old, women are 50 years old, and women cadres and flexible employees are 55 years old. The pension level is higher than that of rural social security card holders. Medical insurance is also borne by companies and individuals according to their actual wages, and besides the medical pooling fund, there are also personal accounts, monthly social security cards and part of the medical expenses returned, and the proportion of hospitalization reimbursement is higher than that of rural social security cards 10% to 20%. The payment period of medical insurance can be calculated cumulatively, and the cumulative payment period reaches the prescribed payment period. After retirement, I will no longer pay medical insurance and enjoy medical insurance benefits for life.

To sum up, social security cards issued by rural areas and companies are ostensibly called social security cards of the People's Republic of China, but because they belong to two different social security systems, the rights, obligations and responsibilities embodied in the two social security cards are completely different, which can also be said to be the concrete embodiment of two different insurance systems concentrated on social security cards.