Which is more cost-effective to pay medical insurance by yourself or rural medical insurance?

Medical insurance is more cost-effective. Both the new rural cooperative medical system and medical insurance can reimburse the medical expenses, but there is a big difference between them. The new rural cooperative medical system can only be enjoyed in rural areas if you have a rural household registration. You have to pay in the same year and then the next year to enjoy the new rural cooperative medical system. Social security is the so-called five insurances, namely, endowment insurance, unemployment insurance, work injury insurance, medical insurance and maternity insurance. The new rural cooperative medical system and social security cannot coexist, but they can be transformed into each other. The new rural cooperative medical system is also medical insurance, but it is only rural medical insurance. If compared with medical insurance for urban workers, there is no comparability. Because the payment amount and payment method are different.

Medical insurance is more cost-effective. Personal medical insurance or the new rural cooperative medical system is more cost-effective, which needs to be evaluated according to personal situation and the actual situation in the region. The following are some characteristics, advantages and disadvantages of these two insurances:

1. medical insurance: medical insurance refers to the basic medical insurance for urban workers, which is compulsory insurance stipulated by the state. The insured are urban workers and residents. The advantages of medical insurance are wide coverage, high reimbursement rate and independent use by doctors. The disadvantage is that the insurance cost is relatively high, and the reimbursement rate in some areas is limited, so it is impossible to fully reimburse all medical expenses.

2. New rural cooperative medical insurance: The new rural cooperative medical insurance is a kind of medical insurance for rural residents, and the insured is rural residents. The advantages of the new rural cooperative medical system are relatively low premium, wide coverage and high reimbursement rate. The disadvantage is that the scope of medical expenses reimbursement is limited, and the proportion of reimbursement in some areas is low, so it is impossible to fully reimburse all medical expenses.

To sum up, individuals should choose the medical insurance scheme that suits them. If it is an urban employee, it is recommended to choose medical insurance; If you are a rural resident, you can consider choosing the new rural cooperative medical system.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 24 of People's Republic of China (PRC) Social Insurance Law

The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.