1 Participant: Rural medical insurance is insured for rural residents, while social security medical insurance is insured for employees or urban residents;

2 Protection period: Rural medical Insurance is paid for one year and guaranteed for one year, while social security and medical insurance require continuous payment for 15 years before you can enjoy medical insurance benefits for life;

3 Reimbursement ratio: The reimbursement ratio of rural medical insurance is lower than that of social security and medical insurance;

4 Personal medical insurance account: Rural medical insurance does not have a personal medical insurance account, while social security medical insurance has a separate personal medical insurance account;

5 Payment method: Rural medical insurance is borne by the insured All costs, while social security and medical insurance are borne by the employee and the company.

Social Insurance (Social Insurance) refers to a social and economic system that provides income or compensation for people who have lost the ability to work, temporarily lost their jobs, or suffered losses due to health reasons. The main items of social insurance include pension insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group of people to use part of their income as social insurance taxes (fees) to form a social insurance fund. When certain conditions are met, the insured can receive benefits from the fund. Fixed income or loss compensation is a redistribution system whose goal is to ensure the reproduction of material and labor force and social stability.

In China, social insurance is an important part of the social security system and plays a core role in the entire social security system.

In addition, social insurance is a kind of contributory social security. The funds are mainly paid by the employer and the workers themselves, and the government finance provides subsidies and assumes the final responsibility. However, workers can only enjoy corresponding social insurance benefits if they fulfill their legal payment obligations and meet legal conditions.

Characteristics

Characteristic 1: The objective basis of social insurance is the risks existing in the labor field, and the subject of insurance is the person of the worker;

Characteristic 2 : The subject of social insurance is specific. Including workers (including their relatives) and employers;

Feature 3: Social insurance is compulsory insurance;

Feature 4: The purpose of social insurance is to maintain the reproduction of the labor force;< /p>

Feature 5: Insurance funds come from contributions from employers and workers and financial support. The scope of insurance coverage is limited to employees and does not include other members of society. The scope of insurance is limited to various risks in labor risks, and does not include other property, economic and other risks.

Function

1. The function of stabilizing social life

2. The function of redistribution

3. The function of promoting social and economic development: first, the social insurance system functions as an important tool for demand management, thereby playing a positive role in the economy; second, the effective use of social insurance funds can promote sustained economic prosperity; third It is social security that has become the basic condition for enterprises to recruit talents.

In reality, the more developed a region is, the more employees attach greater importance to social security. Especially in first-tier cities, social security has become an important criterion for finding a job because it is linked to the qualifications for buying a house and a car.