Is it better to pay medical insurance or social security?

Social security includes basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. Therefore, after the insured pays the social security, he has generally paid the medical insurance, and there is no need to pay it again.

Employee social security includes: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, which is also the "five insurances". This is the compulsory insurance that the enterprise must buy for you, and it is also the welfare that you should enjoy. The new rural cooperative medical system is just a kind of social security, also known as residents' medical insurance.

1, in terms of payment, social security is much higher than the new rural cooperative medical system: the payment amount of the new rural cooperative medical system this year is around 200. However, the minimum social security payment is one year 1000 yuan, and the higher the salary, the higher the payment.

2. In terms of reimbursement, social security is also superior to the new rural cooperative medical system: the reimbursement ratio of employees' medical insurance is generally 70%-85%, and that of the new rural cooperative medical system is 50%-70% (local policies are slightly different). Both of them decrease with the improvement of hospital level.

3. There are also provisions for the insured: social security mainly includes those who have formal jobs or are in cities and towns, and they can participate in social security; The new rural cooperative medical system can only be handled by rural hukou.

4. In terms of the number of years of participation, employees' medical insurance has special benefits: employees who have paid medical insurance for 25 years for men and 20 years for women ((local policies are slightly different), can enjoy exemption after retirement, and can still enjoy medical reimbursement after reaching retirement age; The new agricultural integration is paid once a year and only guaranteed for one year.