Which is better, the new rural cooperative medical system or social security?

Both the new rural cooperative medical system and medical insurance can reimburse the medical expenses, but there is a big difference between them.

The new rural cooperative medical system can only be enjoyed in rural areas if you have a rural household registration. You have to pay in the same year and then the next year to enjoy the new rural cooperative medical system.

Social security is the so-called five insurances, namely, endowment insurance, unemployment insurance, work injury insurance, medical insurance and maternity insurance. The new rural cooperative medical system and social security cannot coexist, but they can be transformed into each other.

Extended data:

The difference between medical insurance and new rural cooperative medical system;

1, the objects covered are different.

Medical insurance for employees is aimed at all employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises). ), organs, institutions, social organizations, private non-enterprise units and their employees.

Whether township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance shall be decided by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government. The new rural cooperative medical system must have a rural hukou to handle it.

2. The payment entities are different.

Medical insurance for employees refers to the establishment of a medical insurance fund by the state through legislation mandating employers and individual members of society to jointly pay medical insurance premiums.

The new rural cooperative medical system is a medical assistance system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily, and financed by individuals, collectives and the government.

3. Different payment methods.

Medical insurance is compulsory, which is paid by both the unit and the employees, and needs to be paid for a certain period of time.

The new rural cooperative medical system is a voluntary participation of farmers, and it must be attended by the whole family, and it is necessary to go through the formalities of insurance payment every year.

4. Different payment standards.

The payment of basic medical insurance for employees is linked to individual wages and paid according to relevant proportional standards. It can be divided into several grades, 8% for general units and 2% for individuals. The payment standard of employee medical insurance is much higher than that of the new rural cooperative medical system.

The payment standard of the new rural cooperative medical system is 100 yuan per year in 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities set the payment level according to their own conditions. Different provinces and cities have different payment standards because of different economic levels. For the specific amount, you can call the local social security bureau at 12333 for free consultation. Bao Xiao, where the new rural cooperative medical system pays this year 150 yuan.

5. The reimbursement rate is different.

Employees participating in the basic medical insurance have personal accounts, which are regularly credited to expenses, with a high reimbursement rate, a minimum payment standard and a maximum amount, and medical expenses are not capped. Employees' basic medical insurance can be enjoyed for life after completing the payment period.

The new rural cooperative medical system has no personal account, the reimbursement rate is lower than the basic medical insurance for employees, and the limit is lower. Moreover, it is an annual insurance, and this year's insurance enjoys reimbursement.

6. Different reimbursement ranges The reimbursement rate of the new rural cooperative medical system in rural township hospitals is higher, and the reimbursement rate of hospitals above the municipal level is lower than that of social security, but both of them decrease with the improvement of hospital level.