Is rural insurance medical insurance?

The details of agricultural insurance and medical insurance are as follows:

1, the new rural cooperative medical system is also a kind of medical insurance, but there are two kinds of medical insurance, one is the new rural cooperative medical system, and the other is the medical insurance for urban workers. Farmers should pay the rural serious illness medical co-ordination fund, which is equivalent to rural medical insurance;

2, the new rural cooperative medical system refers to the organization, guidance and support by the government, farmers voluntarily participate, individuals, collectives and the government to raise funds, mainly used to co-ordinate the serious illness of farmers. It takes the form of individual donations, collective support and government funding to raise funds. Rural cooperative medical care is medical insurance. The state establishes and improves the new rural cooperative medical system;

This is stipulated by the State Council. The new rural cooperative medical system is an integral part of the basic medical insurance. It is organized, guided and supported by the government, and farmers voluntarily participate in it. It is raised by individuals, collectives and the government in various ways, focusing on serious illness, and raising funds by combining individual contributions, collective support and government funding. Rural cooperative medical care is actually a kind of medical insurance, so it belongs to medical insurance. The new rural cooperative medical insurance and urban named medical insurance were formally merged, collectively referred to as urban and rural residents' medical insurance. Rural residents will enjoy the same medical treatment as urban residents.

The differences between the new rural cooperative medical system and medical insurance are as follows:

1, the insured object of the new rural cooperative medical system is the medical system of rural population, and the medical insurance is urban residents and enterprise employees (divided into two types: residents' medical insurance and employees' medical insurance);

2. Payment standard At present, the payment standard of the new rural cooperative medical system is generally 180 per year, while the medical insurance for residents is generally 240 per year. The medical insurance for employees is linked to personal wages and local average wages;

3. Reimbursement ratio However, at present, many places have begun to implement the policy of unifying urban residents' medical insurance and the new rural cooperative medical system, and the reimbursement ratio of the new rural cooperative medical system has gradually moved closer to the reimbursement ratio of medical insurance;

4. Reimbursement scope The scope of medical insurance reimbursement is wider than that of the new rural cooperative medical system. For example, the new rural cooperative medical system cannot be reimbursed in some big hospitals, but it is also the unified policy mentioned above. The reimbursement scope of the new rural cooperative medical system is also moving closer to the medical insurance for urban residents.

To sum up, there are two kinds of medical insurance in China at present: medical insurance for urban workers and medical insurance for urban and rural residents. Those who pay medical insurance for urban workers do not have to pay medical insurance for urban and rural residents.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

essay

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.