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Can I still pay social security with cooperative medical care?
Social security is generally aimed at urban hukou residents; The rural cooperative medical system is aimed at rural hukou, and only agricultural registered permanent residence can join it. According to the relevant laws of our country, the state has established social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in case of old age, illness, industrial injury, unemployment and maternity.
The difference between rural cooperative medical care and medical insurance;
1, the objects covered are different.
Only farmers can participate in the new rural cooperative medical system, and the whole family must participate. The purpose of implementing this policy is to solve the problem of "poverty caused by illness and returning to poverty due to illness", reduce their economic pressure and ensure their basic health services.
The basic medical insurance for urban workers is a medical insurance fund jointly funded by employers and individuals, and it is a social insurance system established by the state to compensate workers for economic losses caused by disease risks. Moreover, it is stipulated that township enterprises, employees, owners of urban individual economic organizations and their employees should also be included in the basic medical insurance coverage.
2. Different payment methods.
The new rural cooperative medical system is voluntary participation of farmers, and the annual payment standard of individual farmers cannot be improved by combining individual payment, collective support and government funding. At present, the rural cooperative medical system is less than 10 yuan. Of course, the standards are divided according to the regional economic conditions. In areas with good conditions, the payment standard may be higher. The medical insurance payment standard is 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan, and all localities set the payment level according to their own conditions. Of course, it is better to pay more.
The basic medical insurance premium for urban workers shall be paid by both the employer and the employees. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the contribution rate of employees is generally 2% of their wage income. What Xiaojin wants to say is that the contribution rate of employers and employees will not remain unchanged, but can be adjusted accordingly with the development of the economy.
3. Different treatment
The new rural cooperative medical subsidy is different in different levels of medical institutions. The subsidy rate is 100 yuan for the first-class hospital in the county, 200 yuan for the second-class hospital and 500 yuan for the hospital outside the county. The proportion of subsidies is also different, 60% in the first-class hospitals in the county, 50% in the second-class hospitals, and 40% in the hospitals outside the county.
The basic medical insurance for urban workers means that the insured can enjoy one-time treatment of hospitalization, serious illness allowance and medical expenses for special diseases in addition to personal account expenses, which sounds like a lot of concessions. Different from rural cooperative medical care, medical insurance for urban workers is a way of combining unified accounts.
To sum up, cooperative medical care can also pay social security. Social security is generally aimed at urban hukou residents; The rural cooperative medical system is aimed at rural hukou, and only agricultural registered permanent residence can join it.
Legal basis:
Article 8 of the Regulations on the Administration of Social Insurance Declaration and Payment.
The employing unit shall, within 30 days from the date of employment, register social insurance for employees and declare and pay social insurance premiums. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. If the employer fails to declare the amount of social insurance premiums payable according to the regulations, the social insurance agency shall temporarily determine the amount payable according to 1 10% of the amount paid by the unit last month; If there is no payment amount last month, the social insurance agency shall temporarily determine the amount of payment according to the operating conditions of the unit, the number of employees and the average salary of employees in the local last year. After the employer completes the declaration procedures, the social insurance agency shall settle the accounts in accordance with the provisions.
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