Which is better, social security or rural insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Social security includes medical insurance, endowment insurance, industrial injury insurance, unemployment insurance and maternity insurance, and rural insurance refers to the new rural social endowment insurance. As for social security or rural insurance, let's look at the similarities and differences between them.

It should be noted that social security is better than rural insurance. The nature of rural insurance and urban insurance is the same, collectively referred to as social insurance, but different categories are mainly divided according to the population. The full name of the five insurances for urban workers is: basic old-age insurance for urban workers, basic medical insurance for urban workers, maternity insurance for urban workers, industrial injury insurance for urban workers and unemployment insurance for urban workers. There are generally two kinds of insurance in rural areas: new rural cooperative medical insurance and new rural social endowment insurance.

Compared with the endowment insurance for urban workers, the new farmers have both similarities and differences. There may be four things in common:

First, they are all social insurance systems. The so-called social insurance system requires that rights and obligations are corresponding and have a corresponding relationship. It is not a pure welfare subsidy system, not a poverty alleviation system, but a government subsidy. As long as certain conditions are met, you can apply, and individuals have no obligation; The social insurance system requires payment, and then you can get the corresponding treatment. This is the same. Of course, the rural elderly who have reached the age of 60 when the new rural insurance is implemented will no longer pay fees, which is a special treatment for the past situation.

Second, the new rural insurance and the basic old-age insurance for urban workers are based on the system model of combining social pooling with individual accounts. In other words, individual contributions must be accumulated through the establishment of personal accounts for a long time, and there is also a social pooling mechanism.

Third, both systems emphasize "basic and wide coverage". In other words, the level of security is determined according to the current level of economic development, that is, to ensure basic living. The coverage should be as wide as possible, and all designated groups should be covered as much as possible.

Fourth, its treatment structure is basic pension plus personal account pension, and the basic pension is fair on the whole; Personal account pension is related to the period and amount of personal payment.

Social security or rural insurance? Of course, there are some differences in the old-age insurance for urban workers under the new rural insurance system:

First of all, the basic old-age insurance for urban workers is to protect urban employment groups; However, the new rural endowment insurance protects rural residents.

Secondly, the basic old-age insurance for urban workers is compulsory according to national laws and regulations, and employers, employers and individual workers must pay fees according to regulations; Rural old-age insurance emphasizes the principle of voluntariness, and farmers voluntarily participate, which is also the government's guidance according to the current situation in rural areas, and does not engage in compulsory orders.

Thirdly, one of the new rural insurance policies is not included in the basic old-age insurance for urban workers, and this principle is "flexibility". Generally speaking, the basic old-age insurance for urban workers is not flexible in terms of the proportion of contributions, eligibility and payment standards. New farmers keep a principle called "flexibility". For example, the designed payment standards range from 100 to 200, 300, 400 and 500 yuan. Farmers can choose according to their own income level, and at the same time allow local governments to increase the payment standard, which can be increased upwards or downwards. This is to adapt to the fact that the economic development is unbalanced and the income level of farmers is quite different. Therefore, we must be "flexible" rather than "one size fits all".

Last but not least, the financing structure is different. The main fundraiser (payer) of the basic old-age insurance for urban workers is the employer, which pays a lot, and of course individuals also pay. The main payer of rural endowment insurance (new rural endowment insurance) is the government, which gives basic pensions to the elderly and subsidies to young people at the same time, which is different from the city.