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

1. What is the difference between medical insurance and rural medical insurance?

1, the insured objects are different: the insured objects of rural medical insurance are mainly rural registered residents; Social security and medical insurance are mainly for employees or urban residents.

2. Different payment years: rural medical insurance is generally paid once a year, and social security insurance is paid once a month.

3, the insurance period is different: rural medical insurance can get one year of insurance by paying a fee; Social security and medical insurance can enjoy medical insurance benefits for life as long as the accumulated payment period meets the requirements.

4. Different reimbursement rates: the rural medical insurance reimbursement rate is relatively low, while the social security medical insurance reimbursement rate is relatively high.

Second, can rural medical insurance and social security be paid at the same time?

Usually not.

Rural medical insurance and social security medical insurance are in conflict. Generally speaking, these two insurances cannot be paid repeatedly. Even if everyone pays two kinds of medical insurance at the same time, the medical expenses incurred by going to the hospital for treatment can only be reimbursed by one of them.

Rural medical insurance is not compulsory, and the insured can choose whether to participate in the insurance according to their actual situation. Its price is relatively cheap, and it is borne by the insured himself, and the reimbursement ratio is not very high.

Social security and medical insurance are compulsory. For those who have a fixed job, the unit must purchase social security and medical insurance for them. The cost of social security and medical insurance is also borne by units and individuals. Its price is more expensive than social security insurance, but the reimbursement ratio will be higher.

Hui medical insurance and rural medical insurance are two different medical security systems, which are suitable for different people and have different coverage. Hui medical insurance is mainly for urban workers and urban and rural residents, and provides a wide range of medical insurance, including basic medical insurance and serious illness insurance. Rural medical insurance is mainly aimed at rural residents, and its coverage is relatively narrow, mainly including basic medical insurance and new rural cooperative medical system. Choosing a suitable medical insurance system needs to consider your own medical needs, economic situation and other factors. If you are an urban worker or urban and rural resident, Bao Hui may be more suitable for you, and you can enjoy more comprehensive medical insurance. And if you are a rural resident, rural medical insurance may be more suitable for you and you can get basic medical insurance. It is suggested that you choose the appropriate medical insurance system according to your own situation to ensure that your health protection needs are met.

Legal basis:

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

Chapter III Basic Medical Insurance

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.