What is the difference between rural medical insurance and social security medical insurance?

The specific target of rural medical insurance is rural people, mainly people in agricultural registered permanent residence. The object of social security is people who are employed in cities and towns. People with units must pay social security, which is mandatory. The insured person can be a rural hukou or an urban hukou.

2. Purchase method

Rural medical insurance is voluntary, not compulsory, while social security is compulsory, and units must buy it for employees. In addition, the payment methods are also different. The rural new rural cooperative medical system is insured once a year, and the cost of next year is paid this year, and one year is guaranteed for one year. Social security is paid monthly, and it takes 15 years to enjoy relevant benefits after retirement.

3. Payment standard

Rural medical insurance is mainly funded by individuals, collectives and governments, with financial subsidies, and less personal burden. The annual payment standard is around 300 yuan. Social security fees are paid by both employers and employees. The employer's contribution rate accounts for about 6% of the total number of employees, and the employee's contribution rate is generally 2% of the salary, which is paid monthly, and the cost is relatively high, at least 1000 yuan a year.

4. Reimbursement scope

Rural medical insurance can only be reimbursed, and a small number of areas can also be reimbursed for medical treatment. Social security and medical insurance can be used for reimbursement of registration, medical treatment, medicine purchase and hospitalization. In addition, there are pension insurance, unemployment insurance, industrial injury insurance and maternity insurance, which cover a wider range. In addition, the proportion of medical insurance reimbursement for social security is generally 70%-85%, and the new rural cooperative medical system is 50%-70%.