Is the new rural cooperative medical insurance? Can medical insurance be refunded?

Rural hukou personnel are no strangers to the merger of new farmers. Almost everyone in rural areas will pay the new rural cooperative medical system, which can be used to reimburse the medical expenses incurred during hospitalization. Recently, however, some people asked whether the new farmers are cost-effective or not. Let's take a look!

Is the new rural cooperative medical insurance?

However, the new rural cooperative medical insurance is also a kind of medical insurance, but the medical insurance is divided into two situations, one is the new rural cooperative medical insurance, and the other is the medical insurance for urban workers, so users can only choose one of them to participate in the medical insurance process, but not both.

Can medical insurance be refunded?

If it is commercial medical insurance, the insured can surrender at any time. Generally speaking, surrender within the hesitation period actually means that the applicant or the insured surrenders within 18 days, 15 days and 20 days after receiving the insurance contract, and the paid premium can be refunded, but some insurance products still need to be deducted. The specific days of the insurance hesitation period need to be subject to the stipulations of the insurance contract; If you surrender your insurance after the insurance hesitation period and during the one-year guarantee period, after deducting the insurance premium and handling fee for the number of days of protection, you can refund the extra expenses. Insurance companies will not refund other fees if they surrender their insurance after the expiration of one-year guarantee period and do not renew their insurance;

If it is basic medical insurance, you need to meet certain conditions before you can surrender, such as household registration transfer, the insured moving out, the insured dying, etc. After the basic medical insurance is surrendered, the money in the personal account of medical insurance can generally be returned.