Difference between urban and rural social security system

The scope of enjoyment is not the same: social security in the medical insurance can not enjoy hospitalization maternity medical reimbursement,

1. Different categories. The essence of the two is the same, collectively known as social insurance, but different categories, which is mainly based on the population to divide;

2. different content. Urban workers on the five insurance, respectively: urban workers basic pension insurance, urban workers basic medical insurance, urban workers basic maternity insurance, urban workers basic work injury insurance, urban workers basic unemployment insurance. In rural areas, there are generally two types of insurance: the new rural cooperative medical insurance and the new rural social pension insurance;

3. The payment methods are different. Urban social security due to the enterprise to help pay, you need to pay on time every month, rural social security due to the inconvenience of the operation, it is paid annually, there are individual contributions and government subsidies and collective subsidies.

Social insurance system refers to the overall design of a modern country to protect workers from the risks they are bound to encounter during their working life and throughout their life cycle. Theoretically, the social insurance system consists of seven main parts: maternity social insurance, sickness social insurance, work injury social insurance, disability social insurance, unemployment social insurance, old age social insurance and death social insurance, which contributes to the protection of the workers' life stability and social stability. However, in practice, there are slight differences in the construction of social insurance systems among countries due to their own national conditions.

Social insurance is a social security system in which the state establishes a fund centrally by the society through legislation, so that workers can receive compensation and help from the state and society in case they lose their ability to work in their old age, illness, work injury, unemployment, childbirth and so on. The function of social security is that enterprises and you*** pay a small amount of premiums together, you can enjoy the following benefits:

1. Basic medical insurance - when you are sick, you can enjoy more medical expenses; 2. Unemployment insurance - when you are unemployed, you You can enjoy the protection of basic living expenses; 3. Worker's Compensation Insurance - when you are injured at work, you can enjoy a lot of medical expenses, subsidies, compensation, and also pay your salary; 4. Maternity Insurance - when you give birth to a child, you can enjoy all the medical expenses, and the maternity leave period Basic Pension Insurance - when you retire, you can enjoy a retirement pension until you enter heaven.

Different attributes. Social insurance is a kind of social security system of the state, a kind of social responsibility of the state to the workers, mainly for the purpose of guaranteeing social security, with material help and non-profit nature; while life insurance is an aspect of economic activity, he is operated by specialized economic entities, namely, the insurance company, with the nature of the purpose of profit-making.

Legal basis:

Article 14 of the Social Insurance Law of the People's Republic of China

Individual accounts may not be withdrawn in advance, and the interest rate of the account shall not be lower than the interest rate of the bank's fixed-term deposits, and shall be exempt from interest tax. In the event of an individual's death, the balance of the individual account may be inherited.

Article 15

The basic pension consists of the coordinated pension and the individual account pension.

The basic pension is determined on the basis of the individual's accumulated years of contribution, the contribution wage, the average wage of local workers, the amount of the individual account, and the average life expectancy of the urban population.