Which is more suitable, freelancer, social security or new rural cooperative medical system? Why?

Viewpoint: Although social security and new rural cooperative medical system belong to the big category of social insurance system, they are very different. As for which one is more suitable for freelancers, we can't generalize. If you are also a freelancer and are in a crisis of choice, you may wish to refer to these five comparative data before making a decision! What is the difference between social security and the new rural cooperative medical system? Look at the following analysis:

1. The purpose of social security is different: the social insurance system is organized by the government, forcing a certain group to use part of their income as social insurance premiums to form a social insurance fund. Under certain conditions (reaching the legal retirement age, the pension payment period 15 years), the insured can get fixed income (pension) or loss compensation (funeral expenses, subsidies) from the social security fund.

The purpose of the new rural cooperative medical insurance: The new rural cooperative medical insurance is clearly proposed by the government that governments at all levels should actively guide farmers to establish a new rural cooperative medical system focusing on serious illness, which has played an important role in ensuring farmers to obtain basic health services and alleviating farmers' poverty and returning to poverty due to illness.

2. The types of social insurance for freelancers are different: generally, the minimum "allocation" is endowment insurance and medical insurance, and if "high allocation" is adopted, unemployment insurance will be increased. The insurance scope of the new rural cooperative medical system: only medical insurance.

3. Before the social security retirement of freelancers with different purposes, the insured can enjoy the reimbursement of medical expenses on the basis of the medical insurance paid on time. After retirement, the payment period of pension and medical insurance can be accumulated, and the accumulated pension insurance has reached the legal retirement age for more than 15 years. If the accumulated payment period of medical insurance exceeds the prescribed period, you can enjoy lifelong medical reimbursement.

For example, Beijing and Suzhou should enjoy lifelong medical reimbursement, and the payment period is 25 years for men and 20 years for women; Cities such as Jinan and Wuhan require 30 years for men and 25 years for women; Guangzhou and Shanghai both require 15 years.

The new rural cooperative medical system can only pay for one year, and the medical expenses incurred in a natural year can be reimbursed, and the cumulative payment period cannot be accumulated.

4. Social security for freelancers with different medical reimbursement rates: the reimbursement rates for social security for freelancers and social security for urban workers are the same, with the lowest reimbursement rate of 70% and the highest reimbursement rate of 99. 1%.

Take the medical expenses of 20,000 yuan in Beijing as an example. If it is outpatient expenses, the deductible line of 1.800 yuan needs to be removed, and at least 70% of the remaining medical expenses can be reimbursed, that is, medical insurance reimbursement (20000-1.800) × 70% =1.2740 yuan; If calculated according to the maximum reimbursement of 90%, medical treatment can be reimbursed 16380 yuan;

Take the medical expenses of 20,000 yuan in Beijing as an example. If it is hospitalization expenses, the deductible line of 1300 yuan needs to be removed, and the minimum reimbursement for employees is 15895 yuan, and the maximum reimbursement is 16830 yuan. The minimum reimbursement for retirees is 17858.5 yuan, and the maximum reimbursement is 18 139 yuan.

New rural cooperative medical system:? The reimbursement scope of the new rural cooperative medical system mainly includes serious illness reimbursement, hospitalization reimbursement and outpatient reimbursement. The compensation ratio is as follows:

Outpatient reimbursement ratio: the reimbursement ratio for outpatient service (health center) is 60%, and the higher the hospital level, the lower the reimbursement ratio.

The reimbursement rate for hospitalization: 60% in township hospitals and 30% in tertiary hospitals.

Proportion of reimbursement for serious illness: The hospitalization expenses of first-class medical institutions are below 400 yuan, and there is no deductible. The reimbursement rate of provincial tertiary hospitals has increased to 55%. For nearly 12 diseases such as lung cancer, the maximum subsidy of the new rural cooperative medical system is 70%.

Tips:

The proportion of reimbursement in different districts and counties is different. For example, in Beijing, the reimbursement rate of the same cancer patient in Shunyi area can reach 55%, and the reimbursement rate in Yanqing Huairou is higher, and Mentougou can only enjoy 40%. The specific data shall be subject to local standards.

5. Social security of freelancers with different contributions: Taking Beijing as an example, the contribution rate of old-age insurance is 20%, that of medical insurance is 7%, and that of unemployment insurance is 1%.

Taking the payment base of 6,000 yuan as an example, the social security that freelancers need to pay each month includes pension insurance 1.200 yuan, medical insurance in 420 yuan, unemployment insurance in 60 yuan, and total monthly social security expenditure 1.680 yuan.

New Rural Cooperative Medical System: According to the Notice of National Medical Insurance Bureau on Medical Insurance for Urban and Rural Residents (20 19), the individual payment standard is 250 yuan for one year.

However, on the basis of 250 yuan, many places have raised the individual payment standard of the new rural cooperative medical system.

For example, the payment standard of basic medical insurance for urban and rural residents in Harbin in 2020 is 300 yuan per person per year.

In 2020, the individual payment standards in Dalian are 370 yuan, an adult resident, and 280 yuan, a minor resident and a college student.

It can be seen that the individual contributions of urban and rural residents in many places are higher than those in 250 yuan, and the specific contributions are subject to the announcement of the local human resources and social security bureau or the medical insurance bureau.

Written in the final summary: if the insured person is young and his health and economic situation are not very good, he can temporarily pay for the new rural cooperative medical system to ensure that once a serious illness occurs, the individual will bear all the medical expenses, which is very stressful;

If the insured reaches the age of 40, it is strongly recommended to pay social security for freelancers. If the economic situation is not very good, you can choose the lowest base to pay. Because, with social security, not only the proportion of medical reimbursement is high, but also the basic life after retirement is guaranteed by an indefinite pension. A lifelong medical reimbursement can protect your health!