The differences between them are different reimbursement rates and different treatment levels.

1. The reimbursement rate is different: the reimbursement rate of hospitalization reimbursement in 37 yuan is 8%, that is, when hospitalized, the medical insurance fund can reimburse 8% of medical expenses. The reimbursement rate of hospitalization reimbursement in 52 yuan is 85%, that is, when hospitalized, the medical insurance fund can reimburse 85% of medical expenses.

2. Different treatment levels: 37 yuan's rural cooperative medical insurance mainly covers general outpatient service and hospitalization, while 52 yuan's rural cooperative medical insurance covers more services, including special diseases, chronic diseases, serious illness insurance, free physical examination, etc.