What's the difference between the new rural medical insurance and the employee medical insurance?

We know that the new rural cooperative is for the farmers group of health insurance, and employee health insurance is specifically for the workers of the health insurance, employee health insurance is mandatory to pay the national law, the new rural cooperative is a voluntary payment, so they are two in addition to this difference, there are any other differences? The following will take you to see what the difference between the new rural cooperative and employee health insurance?

A, the new farmland and employee health insurance what difference

1, retirement treatment

The new farmland and employee health insurance is the biggest difference, is not enjoy the retirement health insurance treatment. Employee health insurance male paid 25 years, female paid 20 years, you can enjoy the health insurance for life, enjoy the health insurance retirement treatment. The new rural cooperative is not this benefit, even if the new rural cooperative participants to the age of retirement, but also according to the provisions of the continued payment of health insurance costs, you can enjoy the health insurance reimbursement treatment.

2, health insurance contributions

New rural cooperative contribution rate than the employee health insurance is much lower, generally only pay one or two hundred dollars a year or so, while the employee health insurance is a few hundred dollars a month! Of course, the large part of the medical insurance is the company to pay, they only need to pay a small part.

The new rural medical insurance premiums have risen to a certain extent each year, but the increase is not large. The different regions have different regulations and different contribution standards.

3, the reimbursement rate

The reimbursement rate of the new rural cooperative is about 50% to 60%, from the amount of contributions, the new rural cooperative is still quite cost-effective. The reimbursement rate for employee health insurance is a bit higher than that of the new rural cooperative, but the starting line is higher than that of the new rural cooperative.

4, outpatient and buy drugs

Employee health insurance participants can hold a health insurance card to the designated pharmacy to buy drugs, or health insurance designated hospital outpatient, with a health insurance card personal account money to pay. The new rural cooperative has no personal account, temporarily does not support the settlement of the doctor to buy drugs or outpatient treatment.

However, most of the money in the personal account of the health insurance is also paid by themselves, and there is no big difference between using the personal account of the health insurance and using the cash, the employee health insurance can not talk about any advantage.

Two,New Farmers' Cooperative and health insurance which is more cost-effective

New Farmers' Cooperative is the current year's contribution, the next year you need to pay money again to enjoy. And social security is the so-called five insurance: pension insurance, unemployment insurance, industrial injury insurance, medical insurance, maternity insurance. The new rural cooperative and social security can not coexist, but can be converted into each other.

The comprehensive cost-effectiveness of the new rural cooperative will be more cost-effective than the medical insurance, but the new rural cooperative and the urban workers' medical insurance payment form and amount are not the same, so it is suitable for different groups of people.

For urban workers, work to pay the social security in addition to health insurance there are other insurance, which medical insurance and pension insurance are required to accumulate the number of years, and the company and the individual **** the same bear the cost of insurance, compared to the choice of health insurance is more cost-effective. And the new rural insurance is a yearly payment, more suitable for people with rural hometowns to buy. And the non-rural hukou people choose medical insurance will be more appropriate. The medical insurance reimbursement scope and proportion are better than the new rural cooperative, but because of the two for different objects, if the farmers do not work in the city, you can only choose the new rural cooperative, if there is a job is more recommended to insure the medical insurance.

Three, the new rural cooperative payment method

1. Township, village cadres door-to-door centralized collection:

Participating farmers take the "New Rural Cooperative Medical Care Certificate", "household registration" to the village of the designated place to register, fill out the registration form, the review through the collection of individual farmers to participate in the funds.

2. Village Collective Economy:

Villages with better economic conditions can help villagers pay for the new rural cooperative medical fees by generating revenue from the village collectives.

3. Township New Rural Cooperative Medicine Agency to pay:

Participating farmers take the initiative to the township New Rural Cooperative Medicine Agency, to the staff of the application for participation, showing the "new rural cooperative medical card", "hukou", after payment of insurance costs can be.

The above is a compilation of the new rural cooperative and employee health insurance what is the difference between the relevant content, through the above content we can see that the new rural cooperative and employee health insurance mainly in the retirement treatment, health insurance contributions, reimbursement ratio, outpatient and buy drugs and so on there are differences. If you still have other questions, welcome to log on the free online consultation.

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