Rural medical insurance cannot be converted into employee medical insurance.

The specific reasons are as follows:

1. The new rural cooperative medical system is implemented in rural areas, and the medical insurance for urban residents and medical insurance for urban workers is implemented in cities. The two are not connected and cannot be transferred to each other. However, when farmers have jobs in cities, they can participate in urban medical insurance with their work units. Farmers' accounts are transferred to towns, and those who have no jobs can participate in urban residents' medical insurance.

2. For the basic medical insurance premiums paid by employers and individual employees, the social insurance agencies shall establish individual accounts for basic medical insurance (hereinafter referred to as individual accounts) and social pooling funds respectively.

3. Social insurance is a compulsory insurance required by the state. The state develops social insurance undertakings, establishes a social insurance system and establishes a social insurance fund, with the aim of enabling workers to get help and enjoy insurance benefits in cases of old age, illness, work injury, unemployment and maternity. China's "Labor Law" and "Social Insurance Law" all clearly stipulate that it is the legal obligation of the employer to pay social insurance for workers, which is obviously compulsory by the state, and the employer shall not refuse to undertake this legal obligation under any excuse or reason.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.