One, understand the scope of social security and rural cooperative medical coverage
Social security usually includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, etc., of which medical insurance is to protect employees in the event of illness or injury of the medical expenses reimbursement. And rural cooperative medical care is mainly for rural residents, providing them with basic medical protection.
Second, analyze the individual needs and actual situation
For employees working in factories, if they have already purchased social security, then to a certain extent, they already have a certain degree of medical protection. However, considering that the reimbursement scope and reimbursement rate of social security may be limited, purchasing rural cooperative medical care can serve as a kind of supplementary protection, especially when facing some large medical expenses, rural cooperative medical care can provide additional reimbursement support.
Three: Consider your financial situation and affordability
Purchasing rural cooperative medical care requires a certain amount of payment, so individuals need to make decisions based on their financial situation and affordability. If you are in a better financial situation, you can consider purchasing rural cooperative medical care to increase your protection; if you are in a tighter financial situation, you can also focus on social security first, and then consider purchasing rural cooperative medical care when your financial situation improves.
Four, consult the relevant departments or professionals
Whether to buy rural cooperative medical care, it is recommended to consult the local social security departments or rural cooperative medical care management department, to understand the detailed policy provisions and reimbursement standards. It is also advisable to consult professionals to make a more informed decision.
In summary:
Whether you need to buy rural cooperative medical care after buying social security in the factory needs to be decided according to your actual situation and needs. On the basis of understanding the scope of coverage of social security and rural cooperative medical care, analyzing individual needs and actual situation, and considering the individual's financial situation and affordability, a more appropriate decision can be made. At the same time, it is recommended to consult the relevant departments or professionals for more detailed and accurate information.
Legal basis:
The Social Insurance Law of the People's Republic of China
Article 23 states:
Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employer and the employees in accordance with the state regulations***.
The Social Insurance Law of the People's Republic of China
Article 25 stipulates:
The State establishes and improves the basic medical insurance system for urban residents. Basic medical insurance for urban residents is a combination of individual contributions and government subsidies.
The Social Insurance Law of the People's Republic of China
Article 24 stipulates:
The State establishes and perfects a new type of rural cooperative medical care system. The administration of the new rural cooperative medical care shall be regulated by the State Council.