Differences between Social Security Card and New Rural Cooperative Medical System

The difference between the new rural cooperative medical system and social security card lies in:

1, the new rural cooperative medical system is rural, and you must have a rural household registration to participate in the new rural cooperative medical system. You can enjoy the new rural cooperative medical system only if you pay in the current year and the next year.

2, social security is the so-called five insurances and one gold, pension insurance, unemployment insurance, work injury insurance, medical insurance, maternity insurance+housing provident fund;

3. The new rural cooperative medical system and social security cannot coexist, but they can be transformed into each other. The new rural cooperative medical system only conflicts with urban residents' medical insurance and employees' medical insurance, and the state regulations do not allow repeated participation in insurance, which does not conflict with commercial insurance. The first three are the national policy of benefiting the people. Commercial insurance is for profit, and citizens can participate at will because the state has no corresponding support funds;

Social security card can be used as ID card. The social security card has the basic functions of identification, information recording, self-service inquiry, business handling and so on. When used as a bank card, one card is dual-purpose. Buy medicine at a fixed point and swipe your card. You can use your social security card to buy medicine at a designated drugstore.

1. What's the difference between the new rural cooperative medical system and social security?

At present, there are three forms of social endowment insurance in China, namely, new rural cooperative medical care, urban residents' endowment insurance and urban workers' endowment insurance. The full name of the new rural cooperative medical insurance is the new rural cooperative medical insurance, which is only one kind of social security, and there can only be one at the same time.

Social security refers to endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, which is popularly called "five insurances". It is a guaranteed treatment and welfare purchased by enterprises for employees, and it is also mandatory.

The New Rural Cooperative Medical System (NCMS) is a new rural cooperative medical system, referred to as the new rural cooperative medical system. Now, the medical insurance for urban residents has been merged, which is collectively called the medical insurance for urban and rural residents.

On the payment standard, social security is much higher than the new rural cooperative medical system, and the payment amount of the new rural cooperative medical system is around 200 yuan. The minimum social security payment is one year 1000 yuan, and the higher the salary, the higher the payment. Of course, it is no big problem to have a fixed income and a fixed payment amount and time, but for farmers, especially those with short working hours, the new rural cooperative medical system is obviously more suitable for them, but for long-term farmers, social security is a better choice.

In terms of reimbursement ratio, the medical insurance in social security is mainly used for medical reimbursement, including hospitalization medical expenses reimbursement, maternity allowance reimbursement and general outpatient medical expenses reimbursement; The new rural cooperative medical system has different reimbursement rates due to different regions. The scope of outpatient reimbursement is larger than social security. In addition to hospitalization compensation, there is also critical illness insurance.

However, it can be seen from the proportion and scope of reimbursement in various hospitals that if you are in a township hospital, the reimbursement ratio of the new rural cooperative medical system is relatively high; If you are treated in a hospital above the municipal level, the proportion of social security reimbursement is relatively high, but both of them decrease with the improvement of hospital level!

For example, the reimbursement ratio of social security and medical insurance is generally 70%-85%, and the new rural cooperative medical system is 50%-70% (the policies vary slightly from place to place).

In terms of insurance coverage, social security mainly includes formal work or in cities and towns, and everyone can participate in social security; The new rural cooperative medical system can only be handled by rural hukou.

In terms of years of participation, men have paid social security and medical insurance for 25 years, and women have paid for 20 years. After retirement, they can enjoy exemption, and they can still enjoy medical reimbursement after reaching retirement age; The new agricultural integration is paid once a year and only guaranteed for one year.

Legal basis:

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

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for 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.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

Article 18 Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.