Job Recruitment Website - Social security inquiry - Does rural insurance belong to social security?
Does rural insurance belong to social security?
1, agricultural insurance also belongs to social security, which is called new rural social endowment insurance;
2. The new rural insurance has been merged with the social endowment insurance for urban residents, which is called the social endowment insurance for urban and rural residents. The new rural cooperative medical system was also renamed as medical insurance for urban and rural residents;
3. Agricultural insurance and social security can be done, but they can't be done together. You can only choose one. At present, rural insurance and urban residents' insurance have been merged into urban and rural residents' endowment insurance.
The difference between social security medical care and rural cooperative medical care is divided into three categories, namely:
1, the objects covered are different. Only farmers can participate in the new rural cooperative medical system, and the whole family must participate. The purpose of implementing this policy is to solve the problem of "poverty caused by illness and returning to poverty due to illness", reduce their economic pressure and ensure their basic health services. The basic medical insurance for urban workers is a medical insurance fund jointly funded by employers and individuals, and it is a social insurance system established by the state to compensate workers for economic losses caused by disease risks. Moreover, it is stipulated that township enterprises, employees, owners of urban individual economic organizations and their employees should also be included in the basic medical insurance coverage;
2. Different payment methods. The new rural cooperative medical system (NRCMS) is voluntary participation of farmers, and it is impossible to raise the individual annual payment standard of farmers by combining individual payment, collective support and government funding. The basic medical insurance premium for urban workers shall be paid by both the employer and the employees. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the contribution rate of employees is generally 2% of their wage income. The employer's contribution rate and the employee's contribution rate will not remain unchanged, but can be adjusted accordingly with the economic development;
3. Different treatment. The new rural cooperative medical subsidy is different in different levels of medical institutions. The subsidy rate is 100 yuan for the first-class hospital in the county, 200 yuan for the second-class hospital and 500 yuan for the hospital outside the county. The proportion of subsidies is also different, 60% in the first-class hospitals in the county, 50% in the second-class hospitals, and 40% in the hospitals outside the county. The basic medical insurance for urban workers means that the insured can enjoy one-time treatment of hospitalization, serious illness allowance and medical expenses for special diseases in addition to personal account expenses, which sounds like a lot of concessions. Different from rural cooperative medical care, medical insurance for urban workers is a way of combining unified accounts.
Legal basis: Article 21 of People's Republic of China (PRC) Social Insurance Law.
The treatment of new rural social endowment insurance consists of basic pension and personal account pension. Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.
Article 22
The state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.
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