What is the difference between rural insurance and medical insurance?

1, urban employee pension insurance is not allowed to be paid in one lump sum. All eligible urban and rural residents can freely choose to participate in the "new rural insurance" or the old-age insurance for urban workers according to their own economic conditions.

2. There are great differences between the two social security systems in terms of payment standards and benefits: the "new rural insurance" is divided into five payment standards, with the highest grade of 1.200 yuan/year. When the payment is 15 years, it can receive 237 yuan per month at the age of 60 (according to the current standards). If you are over 60 years old and have not paid 15 years, you can stop paying or make up for it at one time (the overdue part is 100 yuan/year). For the village or community where the household registration is located, the annual payment cycle is from March to May, and the bank will withhold it from the following year.

3. The legal age of endowment insurance for urban workers is 50 for women and 60 for men, and they are not allowed to participate in the insurance beyond retirement age. In principle, you can be insured before you reach the age, and you can go through the relevant procedures at the social security office. The current standard is 268 yuan per month, and you must pay continuously for at least 15 years every month to enjoy the pension, and you are not allowed to pay it in one lump sum. A woman can't open an account in social security at the age of 55, only before she is 50.

4. Compared with the two, older people are suitable to participate in the "new rural insurance", and people under 45 (female 35 years old) have higher cost performance. If you exceed this time limit, you will have to postpone the time to enjoy the treatment. Of course, this should be done according to our own economic conditions. Generally speaking, the more premiums paid, the longer the time, and the more pension benefits you will enjoy.

5. In addition, the basic old-age insurance for urban workers can also participate in medical insurance for urban workers. At present, the payment standard is 120.6 yuan per month, and you can enjoy basic medical insurance benefits according to regulations after 6 months of continuous payment. Insured persons must pay for 25 years, and if they have not paid at the statutory retirement age, they are allowed to pay the basic medical insurance premiums for the years they lack. Those who participate in the "new rural insurance" can only participate in the medical insurance for urban and rural residents, and they can choose to pay small and large medical insurance fees, with small annual 80 yuan and large annual 450 yuan. The maximum amount of accumulated medical expenses reimbursed by the insured during the medical year is 80,000 yuan and 6,543.8+0.7 million yuan respectively.

6. Of course, these data can only represent some cities and should be determined according to your local actual situation. You can ask the social security centers that handle these social security and rural insurance respectively, and then compare them. This specific provision varies from place to place. It is best to ask the local social security bureau or call the social security bureau at 12333.