What is the difference between the new rural cooperative medical system and the social security card?

The new rural cooperative medical system and social security card have the following differences:

1, in terms of payment standard,

Social security is much higher than the new rural cooperative medical system, and the payment amount of the new rural cooperative medical system is around 200 yuan. The minimum social security payment is one year 1000 yuan, and the higher the salary, the higher the payment. Of course, it is no big problem to have a fixed income and a fixed payment amount and time, but for farmers, especially those with short working hours, the new rural cooperative medical system is obviously more suitable for them, but for long-term farmers, social security is a better choice.

2. As far as the reimbursement rate is concerned,

Medical insurance in social security is mainly used for reimbursement of medical treatment, including reimbursement of hospitalization medical expenses, reimbursement of maternity allowance and reimbursement of general outpatient medical expenses; The new rural cooperative medical system has different reimbursement rates due to different regions. The scope of outpatient reimbursement is larger than social security. In addition to hospitalization compensation, there is also critical illness insurance. However, it can be seen from the proportion and scope of reimbursement in various hospitals that if you are in a township hospital, the reimbursement ratio of the new rural cooperative medical system is relatively high; If you are treated in a hospital above the municipal level, the proportion of social security reimbursement is relatively high, but both of them decrease with the improvement of hospital level!

3. In terms of coverage,

Social security mainly includes formal work or in towns, and everyone can participate in social security; The new rural cooperative medical system can only be handled by rural hukou.

4. In terms of years of participation,

Men who have paid social security and medical insurance for 25 years and women who have paid for 20 years can enjoy exemption after retirement, and they can still enjoy medical reimbursement after reaching retirement age; The new agricultural integration is paid once a year and only guaranteed for one year.

Legal basis: Article 27 of People's Republic of China (PRC) Social Insurance Law.

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.