Both insurances can be purchased at the same time, because the competent authorities are different and the main coverage involved is different.

Social medical insurance:

1. Social medical insurance is a medical insurance system enforced by the state through legislation. Employers and individuals pay insurance premiums in a certain proportion, establish a social medical insurance fund, and pay employees' medical expenses.

2. Social medical insurance means that when a worker falls ill, the social insurance institution gives appropriate subsidies or reimbursements for the medical expenses he needs, so that the worker can recover his health and work ability and enter the social reproduction process as soon as possible. Social medical insurance is an important part of social insurance, which is generally undertaken by the government. The government will use economic, administrative and legal means to enforce it and organize it.

rural medical insurance:

1. Rural medical insurance is a part of China's social security, and China's agricultural population accounts for 63.91% of the country's total population. Rural medical insurance can make farmers enjoy the benefits of rural medical insurance, and it is also an important part of social security and one of the important links of China's economic construction.

2. Participating farmers can choose different hospitals for medical treatment, generally adopting the principle of proximity, and the reimbursement ratio of different hospitals is different. Generally, the reimbursement ratio of inpatients is relatively large, which can be divided into chronic diseases, special diseases and accidental injuries, and different reimbursement ratios can be adopted, which can avoid poverty caused by illness and anti-poverty due to illness to a certain extent.

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