Is there a conflict between rural medical insurance and social security?

1. The medical insurance in rural cooperative medical care and social insurance is in conflict, so we can't agree to enjoy these two benefits. So there is no need to attend at the same time. 2. It is suggested to cancel the cooperative medical system and only participate in employee medical insurance. The rural cooperative medical system pays once a year, and there is no personal account balance, so there is no problem of fee transfer. 3. If you participate in rural old-age insurance, it also conflicts with the old-age insurance in social insurance. It is suggested to stop paying rural endowment insurance. Regarding the transfer of rural endowment insurance contribution share, you can go to the local social insurance agency for detailed consultation. At present, the country has no relevant laws to deal with this problem. 4, registered permanent residence in rural areas, can participate in rural cooperative medical care and rural endowment insurance in the domicile. However, medical insurance cannot be transferred, and endowment insurance can be transferred. There is little difference in medical insurance treatment, and rural areas are relatively more suitable. Because the state finances have special fund subsidies, it pays less money, but the treatment is not worse than that of cities and towns. The endowment insurance in cities and towns is much higher than that in rural areas.

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.

Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Derivative problem:

What is the difference between rural cooperative medical care and medical insurance?

1, covering different objects Only farmers can participate in the new rural cooperative medical system, and the whole family should participate. The purpose of implementing this policy by the state is to solve the problem of "poverty caused by illness and returning to poverty due to illness", reduce the economic pressure of farmers 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 is voluntary participation of farmers, and the annual payment standard of farmers cannot raise funds through the combination of individual payment, collective support and government funding. At present, the rural cooperative medical system is less than 10 yuan. Of course, the standards are divided according to the regional economic conditions. In areas with good conditions, the payment standard may be higher. The medical insurance payment standard is 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan, and all localities set the payment level according to their own conditions. Of course, it is better to pay more. 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. What Xiaojin wants to say is that the contribution rate of employers and employees will not remain unchanged, but can be adjusted accordingly with the development of the economy. 3. Different levels of medical institutions have different subsidies for the expenses of the new rural cooperative medical system. The subsidy rate is 100 yuan for the first-class hospitals in the county, 60% for the second-class hospitals in 200 yuan, and 40% for 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.