Do rural medical insurance and endowment insurance have to be paid? What is the reason?

After the merger of the new rural cooperative medical system and urban residents' medical insurance, it is collectively called the current urban and rural residents' medical insurance. The new rural cooperative medical system is mainly composed of two parts: one is individual payment, and the other is state subsidy. The new rural cooperative medical system is paid annually. According to different regions, the cost is different. Usually it is around 320 yuan every year, which can be used for outpatient reimbursement, hospitalization reimbursement, serious illness medical insurance reimbursement and so on. Many people will have questions, is it necessary to pay old-age insurance after paying rural medical insurance? Let's see if rural medical insurance and endowment insurance must be paid. What is the reason?

First, rural medical insurance and endowment insurance don't have to be paid, and it is more secure to pay pensions together.

Rural cooperative medical care is only a medical insurance system, which is mainly used for medical treatment. Some diseases and drugs included in the cooperative medical system can be reimbursed. Although it is said that you can receive a certain pension subsidy after reaching the age of 60 for a certain period of time, the amount is very small, only a few tens of dollars per month to 100 yuan. The pension you can get by buying ordinary old-age insurance is relatively high, ranging from one or two thousand to three or four thousand, mainly depending on which grade of old-age insurance you buy. The higher the payment grade, the higher the pension you enjoy.

Second, if there is employee social security, there is no need to pay extra endowment insurance, because employee social security includes endowment insurance.

Many people will ask, can the new rural cooperative medical system and social security be paid at the same time? There is no conflict between the two, but in terms of disease reimbursement, only one of them can be reimbursed, and repeated payments cannot be made. If there is employee social security, the new rural cooperative medical system will not have much demand for payment, and the two are repetitive. In addition, the reimbursement of the new rural cooperative medical system and social security is definitely more for employees' social security reimbursement, and less for their own medical treatment and hospitalization. Because only one kind can be reported, it is recommended to report only one kind to avoid wasting money. No matter what the situation, you should choose to pay medical insurance according to your actual situation. In order to safeguard our medical insurance rights and interests, it is better to pay the fees on time, which is more secure and reassuring.