This is a question about medical insurance. Let's see what kind of insurance we can buy as a rural family.
Under normal circumstances, rural families should buy the new rural cooperative medical system or residents' medical insurance, but some places have merged the new rural cooperative medical system with urban residents' medical insurance, which means that as rural families, we can only buy residents' medical insurance.
There is also a kind of medical insurance called employee medical insurance. Although it is called employee medical insurance, it does not mean that only employees can buy medical insurance. In fact, freelancers can also buy employee health insurance now.
However, the current employee medical insurance is not suitable for ordinary families to buy, because the cost of employee medical insurance is too high for ordinary families to afford. For example, if a person buys endowment insurance and medical insurance, it will cost 654.38+100000 yuan more every year. After endowment insurance, he will pay more, but medical insurance is used for medical reimbursement. It doesn't mean that if you pay more, you will enjoy more.
Moreover, the reimbursement scope and expenses of residents' medical insurance are constantly improving. So if you are an ordinary family and want to participate in medical insurance, I still suggest that you pay residents' medical insurance, which is more reliable.
As for which is more suitable, we need to consider our own situation, because employee medical insurance also has a payment period. For example, we have to pay at least 30 years here. When you have paid for 30 years, you can enjoy employee medical insurance benefits without continuing to pay employee medical insurance after retirement.
For example, you have paid employee medical insurance for more than 20 years now, which means that if you can't pay medical insurance in 10, you can reach the minimum payment period. In this case, even if the employee's medical insurance cost is high, it is worth paying.
And if you have only paid employee medical insurance for less than 10 years, have no plans to continue working in the future, or want to start a business as a freelancer, then I still suggest that you transfer employee medical insurance to resident medical insurance, which will not only reduce your burden, but also convert the years of employee medical insurance into the years of resident medical insurance, and will not cause you too much loss.
Therefore, in general, as an ordinary rural family member, the best choice is to pay residents' medical insurance.