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 object of rural cooperative medical insurance is rural registered residents, and the social security insured object is on-the-job employees or urban residents;

2. The guarantee period is different. Rural cooperative medical insurance has been paid 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. The reimbursement rate is different. The reimbursement rate of rural cooperative medical insurance is low, while the reimbursement rate of medical insurance in social security is high.

Population covered by rural cooperative medical care and social security:

1, rural cooperative medical care is mainly aimed at rural residents; Social security is for all employees, including urban workers and rural contract workers.

2. The insured objects of rural cooperative medical care are mainly rural registered population; Social security has a wider range of participants, not limited to household registration, covering all employed people.

3. Rural cooperative medical care is based on the combination of rural collective economy and individual contributions; Social security is a social security system composed of individuals, units and governments.

4. The coverage of rural cooperative medical care is relatively small, mainly basic medical care; Social security includes pension, medical care, unemployment, work injury and maternity insurance.

5. The level of rural cooperative medical insurance is low, and the reimbursement ratio and capping line are generally low; The level of social security is relatively high, especially in urban areas, and the reimbursement ratio and capping line are relatively high.

To sum up, the difference between rural cooperative medical care and social security lies in the difference of insured object, guarantee period and reimbursement ratio. Rural cooperative medical insurance is suitable for rural registered residents, with a guarantee period of one year and a low reimbursement rate; Social security is applicable to on-the-job employees or urban residents, and they need to pay for at least 15 years continuously to enjoy lifelong medical insurance benefits, with a high reimbursement rate.

Legal basis:

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

Article 24

The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.