What is the difference between rural social security and enterprise social security?

The specific differences are as follows:

1, the insurance coverage of the two is different, and the company's payment of social security is what we usually call five insurances and one gold;

2. The payment ratio is different. Both companies and individuals pay social security according to the average social salary of employees in the previous year, but most of the social security expenses of urban employees are borne by the company, and the part paid by individuals accounts for 10% of the general salary.

3. The compulsion between them is different. Paying social security is the legal obligation of the company.

The differences between urban medical insurance and employee medical insurance are as follows:

1, different security objects

Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in urban workers' medical insurance as the main participants;

Social Security Social insurance is a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons.

2. Different safety projects

Urban medical insurance is only medical insurance;

The scope of social security is obviously wider. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

3. Different payment standards and sources.

The payment standard of urban medical insurance is generally lower than that of employees' medical insurance, and the government gives appropriate subsidies on the basis of individual contributions;

Employees' medical insurance is paid by employers and individual employees and does not enjoy government subsidies.

4. Different reimbursement standards

The proportion of medical insurance reimbursement for urban and rural residents is mostly 40%-80%, and they need to pay all the time to enjoy medical insurance reimbursement;

The proportion of medical insurance reimbursement for employees is relatively high, generally 70%-90%. Moreover, after retirement, the cumulative payment has reached the national fixed number of years (generally, men pay 25 years and women pay 20 years, which will vary in different regions). Employees can still enjoy medical insurance reimbursement after retirement, and there is no need to continue to pay medical insurance fees. Within the time limit prescribed by the state, fees must be paid within the prescribed time limit.

To sum up, the difference between rural social security and enterprise social security lies in the different scope, and the payment ratio is different from compulsory.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Article 7

The administrative department of social insurance in the State Council is responsible for the national social insurance management, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require 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.