The difference between rural insurance and social security

Social security includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and medical insurance; The new rural insurance is only endowment insurance, so the social security coverage is wider. Therefore, people who do new rural insurance often join the new rural cooperative medical system. The level of social security payment is high, and the average level of pension is much higher than that of the new rural insurance.

Different collection years:

Social security retirement, male 60 years old, female 50 years old, female management technical post 55 years old; In the new rural insurance, both men and women go through the pension collection procedures at the age of 60.

Different payment methods:

Rural medical insurance is borne by the insured, and social security is shared by employees and companies. Rural medical insurance is paid once a year, and the annual premium is several hundred yuan. Social security is paid in January, and the payment base varies from place to place.

Different treatment:

Agricultural insurance and social security belong to two different types of national social security systems, and the main difference lies in the different target groups. Agricultural insurance is mainly aimed at farmers, with less payment and less pension when they retire; Social security is mainly aimed at urban workers, paying more and receiving more pensions when they retire.

rural cooperative medical service

Coverage: Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers may voluntarily participate in the insurance at their domicile. Payment method: The new rural insurance fund consists of individual contributions, collective subsidies and government subsidies. Conditions for receiving: Elderly people with rural household registration who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.

Social insurance:

Part of it is paid by oneself, and part is paid by the company: pension, medical care, work injury, unemployment, maternity, provident fund (five insurances and one gold)

Legal basis:

Social insurance law

Article 15

The basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.