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  • 新農合和社保哪個好 社保和新農合沖突嗎?
    2019-07-04 19:30:13  來源:網絡1614

    新農合和社保哪個好?相信這個問題很多網友都想知道,社保主要是五險,新農合主要是類似醫保的一種福利,如果要說醫保報銷的話社保和新農合都差不多,但是社保多了四個險,從這個來看社保就比新農合好。那么社保和新農合沖突嗎?買了社保還可以買新農合嗎?

    社保最新消息

    社保最新消息

    答案是沖突的,買了社保就不能買新農合,因為社保里面的醫保和新農合功能是重疊的,所以不允許購買兩種功能一樣的報銷型醫保。今天小編就來和大家說一下,社保和新農合區別在哪里!

    其實,可以說新農合和我們所購買的社保的主要沖突就在于醫療保險,在退休之前新農合的繳費是相對來說比較低的,也和其他的社保一樣,交的少自然報銷的就比較少。但是社保的話,企業如果承擔幫員工購買保險,那個繳費的費用大約就是是新農合的10倍,因此真生大病的時候,社保的報銷比例就會大很多了。

    也許有人害怕買了新農合就不能買社保了,這里告訴你其實是沒有必要擔心這個的。新農合一般都是以一個家庭為單位來買的,但是農村大部分的年輕人也還是會在城市里上班,那么企業也是有必要為他們購買社保的。所以是可以同時進行繳費的。另外,在使用的時效性上,新農合是有一年這個期限的,但是醫療保險的話就不用擔心。

    如果是在農村鄉鎮醫院看病的話,新農合報銷比例高于社保,如果是市級醫院治療,則社保報銷比例比新農合高。大家要根據自己長駐的生活地點來選擇適合自己的險種。而且,社保除了醫保一項,還會有養老,企業交還會有失業、生育和工傷。新農合的話只是“新型農村合作醫療”,顯然沒有養老這塊,最好還要參保“新農保”,或者參與其他的養老保障計劃,增加老年時的保障。并且,城鎮職工醫保交夠累計年限后還可以享受終身醫療和養老。

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