What is the difference between rural cooperative medical care and social security?

The differences between rural cooperative medical care and social security are as follows:

1, the insured objects are different: the insured objects of rural cooperative medical insurance are rural registered residents, and the insured objects of social security are employees or urban residents;

2. The guarantee period is different: the rural cooperative medical insurance is guaranteed for one year, and the medical insurance in social security needs to be paid continuously 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.

legal ground

People's Republic of China (PRC) social insurance law

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units. Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party. Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.