The difference between rural social security and medical insurance

The differences between medical insurance and agricultural insurance are as follows:

1, different concepts.

Social medical insurance is also called "sickness social insurance" or "health social insurance". A social insurance in which the income of the insured is interrupted and the medical expenses are lost due to illness, injury, disability, etc. Insurance institutions provide material assistance.

The new rural cooperative medical system refers to the system of mutual medical assistance and economic assistance for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily and funded by individuals, collectives and the government. It takes the form of individual donations, collective support and government funding to raise funds.

2. The insured objects are different.

Rural cooperative medical care refers to all rural residents who are registered locally and born 90 days later and urban residents who have not participated in the basic medical insurance for urban workers. Rural residents who have not participated in the basic old-age insurance for urban workers can voluntarily participate in the insurance at their domicile. Medical insurance is to take part in the work, some of which are paid by yourself and some by the company.

3. Different payment fees and methods.

Rural medical insurance pays hundreds of yuan a year, and social security pays thousands or even tens of thousands a year, which is much lower than rural medical insurance. Rural medical insurance is borne by the insured, and social security is shared by employees and companies.

Medical insurance for urban workers is paid monthly, and the minimum payment period is set. Those who have reached the payment period (25 years for men and 20 years for women) can enjoy basic medical insurance benefits without paying fees after retirement. The new rural cooperative medical system is an annual payment, lifelong payment, no treatment without payment.