Which is more cost-effective, employee medical insurance or new rural cooperative medical system?

Legal analysis: employee medical insurance is relatively more cost-effective, because the reimbursement is strong and covers a wide range, and some money will be transferred to personal accounts every month. After paying a certain number of years, you can enjoy medical insurance without paying, but the new rural cooperative medical system does not have these advantages. Because the annual payment of the new rural cooperative medical system is low, the reimbursement treatment is not very high compared with employee medical insurance. However, it is not so cost-effective if freelancers pay for their employees' health insurance themselves. If employees' medical insurance is paid in the company, the company will bear most of the expenses, and it is still very cost-effective for individuals to bear a small part of the expenses. Rural areas are suitable for participating in the new rural cooperative medical system, and towns are suitable for participating in residents' medical insurance. Migrant workers working and living in cities are advised to participate in social security together with employers, including medical insurance. Medical insurance for employees is medical insurance for urban employees, which is a kind of basic medical insurance. It is paid by both employers and employees. If employees do not buy medical insurance while working in the company, then the company's behavior is against the law. If employees complain in the labor bureau, they will get feedback soon and will be punished for such behavior.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium 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.