What is the difference between rural medical insurance and social security paid by cities?

Medical insurance is very important for national legislation and individuals. It can solve the problem of difficult medical treatment for ordinary people. Through insurance subsidies, the cost of medical treatment can be reduced and the economic burden of residents can be reduced. So what's the difference between rural medical insurance and urban medical insurance?

One is urban medical insurance.

Medical insurance system with urban minors and unemployed residents who have not participated in medical insurance for urban workers as the main participants. This is an institutional arrangement made by the CPC Central Committee and the State Council to further solve the medical security problems of the broad masses of the people and improve the medical security measures.

Second, rural medical insurance.

Rural medical insurance refers to the system of farmers' medical mutual assistance and mutual aid, which is organized, guided and supported by the government, voluntarily participated by farmers, raised by individuals, collectives and the government in various ways, and mainly based on serious illness planning. Moreover, the government will subsidize and raise funds for individual contributions, which is valid for one year and needs to be reimbursed at the medical insurance checkout window of local cooperative medical management institutions or designated medical institutions. Rural medical insurance is a mutual medical security system, which plays an important role in ensuring farmers to obtain basic health services and alleviating poverty caused by illness and returning to poverty due to illness.

1. From the perspective of security system, rural medical insurance has become an important part of national social security, which is mainly used to guarantee the basic medical problems of rural residents. With the reform of rural medical insurance, rural medical insurance and urban medical insurance are merged into urban and rural medical insurance at this stage, but it only provides protection for urban and rural medical care.

2. Urban social security is mainly aimed at urban workers and flexible employees, including medical insurance, pension, work injury, unemployment, maternity and other security systems. Secondly, in terms of payment, rural medical insurance, that is, medical insurance for urban and rural residents, is paid annually, and it needs to be paid every year. However, if rural medical insurance is not paid in that year, all medical expenses will not be reimbursed. Urban social security is paid monthly, and the medical security part can be reimbursed immediately after payment. However, if the payment period is within 3 months, you can enjoy the reimbursement treatment in the next month after paying the premium. If the term exceeds 3 months, you need to pay for it continuously for 6 months to be reimbursed!

3. In the reimbursement ratio, the reimbursement threshold of urban workers' medical insurance is higher than that of rural medical insurance. Taking Chengdu as an example, the deductible standards of medical insurance for employees in Chengdu are 200 yuan, 400 yuan and 800 yuan respectively.

4. The deductible standard of medical insurance for urban and rural residents who are hospitalized due to illness is: township health center 50 yuan, community health service center and first-class hospital 100 yuan, second-class hospital 200 yuan and third-class hospital 500 yuan. Qifubiaozhun for external referral is 1000 yuan.

Because urban workers' medical insurance pays monthly, the average annual payment is much higher than that of rural medical insurance, and the reimbursement ratio is also much higher than that of rural medical insurance. The reimbursement rate of urban workers' medical insurance is 85% in tertiary hospitals, 90% in secondary hospitals and 92% in primary hospitals, while the reimbursement rate of urban and rural residents' medical insurance (according to the highest level) is 90% in township hospitals and 85% in community health service centers and primary and secondary hospitals.

The insured objects of the two are different. Urban medical insurance is mainly aimed at residents with urban hukou; The new rural cooperative medical system is that only residents with rural hukou can participate in insurance. The reimbursement channels are different. Urban medical insurance reimbursement in the community medical insurance department where residents live, the new rural cooperative medical system must go to the rural cooperative organization where the township is located.