Individuals pay social security, including medical care. Is it necessary to pay rural medical insurance?

No, there are two types of unemployed agricultural household registration insurance: urban and rural residents' endowment insurance and new rural cooperative medical care, both of which are branches of social security, but they are independent of each other. Both of them paid insurance the following year, depending on which one they paid when they paid the fee.

Social security paid by oneself includes medical insurance and endowment insurance, which are paid separately. General medical insurance is handled in the local community, if employee insurance is handled in the lobby of the local medical insurance bureau. Employee pension insurance is also handled in the lobby of the local social security bureau (flexible employment window), and resident insurance is handled in the community.

If an individual only handles the endowment insurance business, then there is no medical insurance and hospitalization is not reimbursed. Need to apply for medical insurance separately. If employees pay several thousand yuan of medical insurance every year, the payment will increase year by year. Men pay for 25 years, women retire after 20 years, enjoy lifelong medical insurance benefits, and the proportion of hospitalization reimbursement is still high.

If you pay the rural new rural cooperative medical insurance or urban cooperative medical insurance, you will pay several hundred yuan a year, and the payment will increase year by year. Pay for one year and guarantee for one year. If you don't pay the medical expenses, you won't reimburse the hospitalization expenses.

Extended data:

Regulations on rural social security funds:

The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can increase the payment grade according to the actual situation. Insured people choose their own grades to pay, and pay more. The state adjusts the payment grade according to the growth of per capita net income of rural residents.

(2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies. The government pays the insured who meets the basic pension conditions of the new rural insurance in full, in which the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions according to the basic pension standards determined by the central government.

The local government subsidizes the payment of the insured, and the subsidy standard is not lower than the 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). Local governments pay part or all of the minimum standard old-age insurance premiums for groups with payment difficulties such as severely disabled people in rural areas.

Baidu Encyclopedia-New Rural Social Security

Baidu Encyclopedia-Rural Social Security Policy