Is rural cooperative medical care the same as social security?

There are five differences between the new rural cooperative medical system and social security:

1, the payment standard is different. The reason why the new rural cooperative medical system is called the new rural cooperative medical system is that it only includes medical insurance, and it is generally paid annually, and the amount of each payment is around 200 yuan; Social security includes pension insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance. The payment is much higher than the new rural cooperative medical system. According to the minimum standard, you need to pay more than 1000 yuan per month, and the higher the salary, the more you pay.

2. The scope of use is different, and the scope of use of the new rural cooperative medical system is relatively narrow. At present, many cities can only reimburse hospitalization, and a few cities can also reimburse medical treatment; Social security includes medical insurance in social security, which can be used for registration, medical treatment, medicine purchase and hospitalization reimbursement. The scope of application is wider;

3, the scope of insurance is different, the new rural cooperative medical system is mainly aimed at rural registered population, so only rural registered permanent residence can handle it; Social security can participate as long as it has a formal job or is in a town;

4, the insured period is different, the new rural cooperative medical system pays once a year, and enjoys medical reimbursement treatment according to regulations. Social security is paid once a month, and medical expenses cannot be reimbursed from the next month. Social security insurance has accumulated for 15 years, and you can receive a monthly pension after retirement. Under normal circumstances, men have been insured for 25 years and women have been insured for 20 years, and they can still enjoy medical reimbursement after retirement;

5. The reimbursement ratio is different, and the reimbursement ratio in the areas using the new rural cooperative medical system is also different. If treated in township hospitals, the reimbursement rate of the new rural cooperative medical system is higher; If you are in a hospital above a municipal hospital, the proportion of social security reimbursement is higher. Both of them decrease with the improvement of hospital level.

The difference in treatment between urban medical insurance and rural medical insurance;

Urban medical insurance is divided into urban employee medical insurance and urban resident medical insurance. The medical insurance for urban workers is shared by the employer and individual workers, and the medical insurance for urban residents is borne by individual urban residents.

Household registration in rural areas, you can participate in rural cooperative medical care and rural old-age insurance in the place where the household registration is located. However, medical insurance cannot be transferred, and endowment insurance can be transferred. There is little difference in medical insurance treatment, and rural areas are relatively more suitable. Because the state finances have special fund subsidies, it pays less money, but the treatment is not worse than that of cities and towns. The endowment insurance in cities and towns is much higher than that in rural areas.

Legal basis: Article 4 of People's Republic of China (PRC) Social Insurance Law.

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.