The difference between rural medical insurance and social security medical insurance

The differences between rural medical insurance and social security medical insurance are as follows:

1. Different undertakers: social security and medical insurance are shared by the state, enterprises and individuals, and rural medical insurance mainly includes individual contributions, collective support and government funding;

2. Different participants: social security and medical insurance are usually aimed at employees or urban residents, while rural medical insurance is aimed at rural registered residents;

3. Different coverage: social security medical insurance includes pension, medical care, unemployment, work injury and maternity insurance, while rural medical insurance only involves medical insurance;

4. Different ways of realization: social security and medical insurance are enforced by the state through legislation, while rural medical insurance is a mutual aid system of voluntary participation and serious illness;

5. The guarantee period and reimbursement ratio are different: rural medical insurance is generally paid for one year, and the reimbursement ratio is low. Social security and medical insurance requires continuous payment for at least 15 years to enjoy lifelong medical insurance benefits, and the reimbursement rate is high.

Types and coverage of social security:

1. Basic medical insurance for urban employees: covering employees of urban enterprises;

2. Basic medical insurance for urban residents: for non-employed urban residents such as minors, the elderly and students;

3. New Rural Cooperative Medical System (NCMS): for rural residents;

4. Supplementary medical insurance for employees: the supplementary medical insurance provided by the unit for employees voluntarily;

5. Critical illness insurance: providing the insured with the protection of high medical expenses.

To sum up, there are significant differences between rural medical insurance and social security medical insurance in terms of undertaker, insured object, coverage content, implementation mode, coverage period and reimbursement ratio. The former is mainly funded by individuals, collectives and governments, and only provides medical insurance for rural residents, and implements a voluntary mutual aid system, with short coverage period and low reimbursement ratio; The latter is shared by the state, enterprises and individuals, and is oriented to employees or urban residents. It contains more comprehensive social security content and is enforced by legislation, requiring long-term payment to enjoy a higher proportion of lifelong medical insurance benefits.

Legal basis:

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

Article 24

The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25

The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.