What is the difference between rural medical insurance and social security medical insurance? Which is better, rural medical insurance or social security medical insurance?

1. What's the difference between rural medical insurance and social security medical insurance?

1. Different participants: the participants of rural cooperative medical insurance are rural registered residents, and the participants of social security are employees or urban residents.

2. The terms are different: the rural cooperative medical insurance is guaranteed for one year, while the medical insurance in social security requires continuous payment for at least 15 years to enjoy lifelong medical insurance benefits.

3. Different reimbursement rates: the reimbursement rate of rural cooperative medical insurance is low, while the reimbursement rate of medical insurance in social security is high.

4. Is there a personal medical insurance account? Rural cooperative medical insurance has no personal medical insurance account, while medical insurance in social security has personal medical insurance account.

5. Different coverage groups: Only farmers can participate in rural medical insurance, and social security is a medical insurance fund jointly established by employers and individuals. Township enterprises, employees, owners of urban individual economic organizations and their employees should also be included in the basic medical insurance coverage.

6. Different payment methods: rural medical insurance is voluntary participation of farmers, and social security is paid jointly by employers and employees.

7. The scope of reimbursement is also different: different levels of hospitals have different subsidies for rural medical insurance costs, with 60% of first-class hospitals in the county, 50% of second-class hospitals and 40% of hospitals outside the county.

2. Which is better, rural medical insurance or social security medical insurance?

It is better to pay social security, because the reimbursement rate is higher. In terms of reimbursement ratio, at present, the reimbursement ratio of medical insurance for urban and rural residents is 50%, and the medical insurance for employees is 70%. Therefore, if you can participate in employee medical insurance, you don't have to consider rural medical insurance. Of course, the premise is that there is a work unit to provide insurance. If there are unemployed people participating in the insurance, then it is recommended to choose rural medical insurance because it is more cost-effective. Rural medical insurance mainly covers low-income groups, and only needs to pay a few hundred yuan a year, while the annual social security standard is more than 3,000 yuan, which is about 10 times higher than rural medical insurance, which can alleviate a lot of pressure, but it also has disadvantages, that is, you can't enjoy social security without accumulating years.