Which is more cost-effective, agricultural insurance or social security?

Agricultural insurance and social security have their own advantages and can be chosen according to their respective needs.

Social security, that is, social insurance, is a social and economic system that provides income or compensation for some special people who have lost their labor, jobs or jobs due to health problems. Its main items are: old-age insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, etc.

Agricultural insurance, that is, rural social security, is the organization that the administrative department is responsible for organizing and managing. Rural economic organizations, collective institutions and workers from all walks of life bear the payment of old-age insurance premiums. When workers are old, they can enjoy old-age insurance benefits according to the payment of old-age insurance premiums.

Which is more cost-effective, agricultural insurance or social security;

1, collection time: social security is collected five years earlier than rural insurance, so pension is collected five years earlier, so social security is more cost-effective than rural insurance.

2. Wage adjustment: Social security is basically adjusted every year, and rural insurance is rarely adjusted. Social security will surpass rural insurance in a few years. From this perspective, social security is more cost-effective and gets more money.

3. Flexibility of payment: Social security lacks the flexibility of payment, and those fixed money must be paid at the specified time, while rural insurance can be paid according to the economic situation at that time. It can largely avoid some economic difficulties faced at that time, so it is better to look at rural insurance.

The difference between social security and rural cooperative medical care;

1. Rural cooperative medical care is only a medical insurance system, and social security includes pension insurance, unemployment insurance, work injury insurance and maternity insurance in addition to medical insurance.

2. Only agricultural registered permanent residence can participate in the rural cooperative medical system, but social security is not limited by the hukou conditions.

3. Rural cooperative medical care must be attended by the whole family, and the medical insurance in social security cannot be purchased separately, but must be purchased together with the other four insurances.

4. Rural cooperative medical care pays a fee once a year, only for one year. If they stop paying fees, they will not enjoy the relevant policies of the new rural cooperative medical system. Social security can be enjoyed for life after completing the payment period.

5. The proportion of rural cooperative medical care payment is low, and the proportion of reimbursement is also low, while the proportion of social security payment is high and the proportion of reimbursement is also high.

To sum up, rural cooperative medical care and social security are in conflict with each other. Even if two insurances are paid at the same time, only one of them can be reimbursed. Therefore, it is suggested that farmers who work in the company do not need to buy rural cooperative medical care if the company buys social security. In rural township hospitals, the reimbursement rate of the new rural cooperative medical system is higher than that of social security; In municipal hospitals, the proportion of social security reimbursement is higher than that of the new rural cooperative medical system.

Legal basis:

Article 64 of People's Republic of China (PRC) Social Insurance Law

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.