Which reimbursement is more, employee medical insurance or rural cooperative medical care?

The reimbursement scope and standard of employee medical insurance and rural cooperative medical care are different, and the local policy shall prevail. Generally speaking, the reimbursement of employee medical insurance is higher than that of rural cooperative medical care.

Medical insurance for employees and rural cooperative medical care are two different types of medical security systems. Medical insurance for employees is mainly aimed at urban workers, and rural cooperative medical care is mainly aimed at rural residents. Specific reimbursement and treatment standards need to refer to local policies. Generally speaking, the reimbursement of employee medical insurance is higher than that of rural cooperative medical care. This is because the proportion of employees' medical insurance contributions is relatively high, the insured population is relatively unified, and the overall efficiency of medical insurance funds is relatively high. However, due to the scattered population and the lack of unified management, the investment and management of medical insurance funds in rural cooperative medical care are relatively weak, which may lead to a slightly lower scope and standard of reimbursement. But for some special medical projects or regions, the reimbursement of rural cooperative medical care may be better. For example, rural cooperative medical care in some places has given more support to the treatment expenses of Chinese medicine, and rural residents can enjoy more reimbursement when receiving these treatments.

What if employee medical insurance and rural cooperative medical care are reimbursed together? If employee medical insurance and rural cooperative medical care are reimbursed together, the following points should be noted: 1. It is necessary to know the reimbursement ratio, scope and limit of each insurance in advance, and first choose the appropriate insurance for reimbursement; 2. If the two insurances are not fully reimbursed, you can submit an application for medical assistance to the local county-level health department to obtain more assistance funds.

The reimbursement standards of medical insurance for employees and rural cooperative medical care are different, so it is necessary to refer to local policies for details. Under normal circumstances, the reimbursement scope and standard of employee medical insurance will be higher, but for some special medical projects or regions, the reimbursement of rural cooperative medical care may be better. Pay attention to all kinds of insurance regulations when using, and choose the appropriate insurance for reimbursement according to the needs.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 25 The State establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.