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What's the difference between the new rural cooperative medical system and social security? How high

With the development of China's economy, the country also pays more and more attention to the life of farmers. In order to solve the problem of medical treatment of farmers' friends, the state has issued relevant new rural cooperative welfare policies specifically for farmers' friends, but there are also some people who pay social security, so what's the difference between new rural cooperative and social security? Let's get to know.

1、 What are social security and NCMS?

Social security refers to social insurance, which is the general security treatment and welfare that employers are forced to purchase for employees in accordance with national requirements, mainly including endowment insurance, medical insurance, work-related injury insurance, maternity insurance and unemployment insurance, while the new rural cooperative medical insurance refers to the new rural medical insurance, which is the only medical insurance policy that residents with rural Hukou can enjoy.

2、 What's the difference between the new rural cooperative medical system and social security?

1. Different payment methods

Social security is mainly divided into urban residents' social security and urban employees' social security, in which urban residents' social security is borne by themselves, while urban employees' social security is borne by units and individuals, but the cost of the new rural cooperative is generally borne by individuals, and in some cases, the state will subsidize part of it, but the standards of different subsidies are different in general economic development Sample.

2. Different payment standards

The payment standard of social security has a lot to do with the individual's salary level. Generally, if your average salary level is high, the social security will pay more, and the average salary level is relatively low, so the social security needs to pay less money, and it needs to pay every month, but the new rural cooperative needs to pay only once a year. In addition, although the payment standard is rising every year, but According to this year's payment standard, the annual payment amount of NCMS fee per person is 220 yuan, but this is only for reference, because the payment standard of different regions is also different.

3. Different insured years

Social insurance mainly includes endowment insurance, medical insurance, work-related injury insurance, maternity insurance and unemployment insurance. Generally, the endowment insurance of social insurance needs to be paid continuously for 15 years. In addition, the male of medical insurance needs to be insured for 25 years, the female needs to be insured for 20 years. The unemployment insurance of social insurance needs to be paid for more than 1 year to enjoy the unemployment insurance benefits. The new rural cooperative medical insurance needs to be paid annually According to the current situation, the country has not set the insured period of the new rural cooperative medical system, so there are not so many requirements for social security. As long as you pay it, you can enjoy the reimbursement treatment. If you don't pay it, you won't enjoy it.

4. Different reimbursement proportion

The social insurance is paid much, and the corresponding reimbursement proportion is higher than that of NCMS. The general reimbursement proportion is about 70-80%, while the relatively low reimbursement proportion of NCMS is about 50-70%. If the reimbursement is in a different place, the reimbursement proportion may only be 30-40%. In addition, the biggest difference between NCMS and social insurance is that if the NCMS farmers do not use it in the same year, they will arrive at the first place In two years, they need to pay again. When they retire, they can get a fixed pension every month based on social security, but the new rural cooperative does not have this benefit.

3、 Can NCMS and social security be reimbursed at the same time?

Many farmers don't know the difference between the new rural cooperative medical insurance and the social insurance. They think they can enjoy the reimbursement treatment as long as they pay it. Then, if they pay the social insurance and the new rural cooperative medical insurance at the same time, can they be reimbursed at the same time when they go to see a doctor? Obviously, they can't be reimbursed at the same time when they pay the social insurance and the new rural cooperative medical insurance at the same time. When they choose to see a doctor, they can only choose one of the social insurance and the new rural cooperative medical insurance If one of the reimbursement amounts reaches the upper limit, the other can be used to reimburse the remaining part.