Which grade of agricultural insurance is cost-effective

It is best to pay the highest grade. There are many grades of rural endowment insurance, including 13, and there are differences in payment grades in different regions. For example, some places have a maximum of 3,000, some places have a maximum of 6,000, and some areas have a maximum of 9,000. The principle of rural old-age insurance is to pay more, and the more you pay, the more retirement wages you can get. And when it comes to agricultural insurance, there will be subsidies. So farmers don't bear a lot of expenses. In this case, it will be most appropriate for everyone to pay the highest level.

It will be more cost-effective to pay the highest grade rural endowment insurance. Rural old-age insurance can generally be paid at the level of 13, and the specific level amount is different in different regions. For example, some places have the highest grade of 3000, some places have the highest grade of 6000, and some places have the highest grade of 9000. Generally speaking, rural old-age insurance adheres to the principle of paying more and getting more, that is to say, the more you pay, the more pension the insured can receive every month after reaching the age of 60 under the premise that the cumulative payment period is 15. Moreover, even if the insured person dies, it is generally possible to hand over all the money in the personal account of rural old-age insurance (individual contributions+government subsidies) to the heirs who participate in Youbao, and there is no possibility of losing money.

For example, since the monthly pension allowance for rural old-age insurance after the age of 60 is personal account pension+basic pension, if the cumulative payment period is 15, the basic pension is 238, and the payment grade is 1000, then the monthly pension after the age of 60 is

Basic pension 238+ total savings in personal account (1000 *15)/139 = 345;

If you choose to pay 3000 yuan a year, the monthly pension you can receive after reaching the age of 60 is:

Basic pension 238+ total savings in personal account (3000 *15)/139 = 531.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums 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.