Which is more suitable, paying social security by yourself or agricultural cooperation?

Social Security: What our employees call "social security" actually refers to employees' social security, which also refers to "five insurances": endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance.

New Rural Cooperative Medical System (NCMS): The new rural cooperative medical system refers to a mutual medical aid system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily and funded by individuals, collectives and the government.

In addition, according to different household registration, urban household registration can be insured for urban residents' medical insurance, and rural household registration can be insured for the new rural cooperative medical system.

Flexible employees can choose to buy employee pension and employee medical insurance in employee social security or resident social security.

1, different payment standards

Social security is much higher than the new rural cooperative medical system because of its five insurances. The annual payment of the new rural cooperative medical system is about 200 yuan, and the minimum payment of social security employees is more than RMB 1000. The higher the salary, the higher the payment. The minimum payment level of freelancers needs more than 5000 yuan.

If you know how to check the balance of social security card and other functions, you can read this article:

2. Scope of use Medical insurance in social security can be used for registration, medical treatment, drug purchase, hospitalization reimbursement, etc. At present, the new rural cooperative medical system can only reimburse hospitalization expenses in many cities, and a few cities can also reimburse medical expenses.

3. Different coverage.

Social Security You can participate in social security as long as you have a formal job or are in a town. The new rural cooperative medical system can only be run in rural areas.

4. Different insurance years

Social security is paid once a month, and medical expenses cannot be reimbursed from the next month. The insured person has accumulated 15 years and can receive a monthly pension after retirement. Generally speaking, men have been insured for 25 years and women have been insured for 20 years. After retirement, they can still enjoy medical reimbursement without continuing to pay fees.

Medical insurance in social security is mainly used for reimbursement of medical treatment, including reimbursement of hospitalization medical expenses, reimbursement of maternity allowance and reimbursement of general outpatient medical expenses.

The reimbursement rate of using the new rural cooperative medical system in different regions is also different. If treated in township hospitals, the reimbursement rate of the new rural cooperative medical system is higher; If you are in a hospital above a municipal hospital, the proportion of social security reimbursement is higher.

Both of them decrease with the improvement of hospital level. For example, the proportion of medical insurance reimbursement for social security is generally 70%-90%, and the new rural cooperative medical system is 50%-70%. (The above contents are for reference only, and the specific contents are subject to local policies. )

Medical insurance is not only limited by the deductible line, the capping line and the reimbursement ratio, but also by the amount, medication and treatment methods. For example, there are two kinds of drugs that can cure diseases, one is slow in general treatment and the other is quick in effect. Medical insurance may only be reimbursed for the most basic item. After all, so many people go to the hospital and everyone uses the most expensive reimbursement, even the country can't bear it.

As for what can and can't be reimbursed, I suggest reading this article:

The deductible line, capping line and reimbursement ratio of residents' medical insurance are relatively low. When the medical expenses do not exceed four or five thousand, the reimbursement amount of residents' medical insurance will be more than that of employees' medical insurance.

In short, there is no such thing as a free lunch, and neither is medical insurance. If you want to have high security, you have to pay more premiums.

For employees on the job, employee social security is the best choice;

For ordinary residents, you can choose to buy residents' medical insurance;

For freelancers, it is necessary to consider their own economic ability and whether they are qualified to buy.