How to change rural insurance into medical insurance?

When agricultural insurance is converted into employee medical insurance, you can directly go through the new insurance procedures for employee medical insurance, and you don't need to go through the formalities of stopping insurance. Residents' medical insurance is paid once a year, and the insured can enjoy medical insurance benefits for one year.

Residents' medical insurance insured person is transferred to employee medical insurance in the middle of the year, and the paid residents' medical insurance expenses that were not enjoyed in that year will not be refunded, and they will enjoy employee medical insurance benefits from the next month of payment. If the insured person is transferred from residents' medical insurance to employees' medical insurance, and the employee's medical insurance premium has been paid continuously, and the payment has not been available for a month or more than two months, the employee's medical insurance benefits will be enjoyed from the next month of payment; If the continuous payment is interrupted for more than two months, there must be a six-month transition period for employees' medical insurance benefits.

During this period, employees can use the personal account (medical insurance card) part of employee medical insurance. When residents' medical insurance is transferred to employees' medical insurance, it is converted into the actual payment period for participating in residents' medical insurance. After one year of payment, it will be transferred to employee medical insurance for three months.

However, when employees' medical insurance is transferred to residents' medical insurance, it is necessary to go through the formalities of suspension of employees' medical insurance first, and then go through the formalities of new residents' medical insurance. Residents' medical insurance will continue to use the employee's medical insurance personal number, and hospitalization will enjoy the treatment of residents' medical insurance, and the amount of employee's medical insurance personal account can continue to be used.

The new rural cooperative medical insurance card and the old-age insurance card are combined into one, which has the function of identity recognition. In the future, you can only use one medical insurance card, whether you are reimbursing medical care or paying pensions. In other words, the new medical insurance card has the functions of endowment insurance card and identity recognition. The new medical insurance card has the functions of a bank savings card and all the functions of a bank savings card, including transferring money and saving money. In the future, you can directly use the savings card function to pay endowment insurance and medical insurance, and all the money you want to pay can be deposited, saving a lot of trouble running around.

After farmers apply for social security cards, the reimbursement rate has increased. There is an accidental injury insurance and serious illness medical insurance on the social security cards, which are commercial insurance, and the reimbursement rate is as high as 80 ~% and 90%. Of course, this is the reimbursement fee for hospitalization medical insurance for serious illness. The medical insurance premium paid by the social security card will not be cleared at the end of the year. That is to say, after farmers pay the medical insurance expenses of the current year, they don't need them in the current year, or they have a balance, which can be carried forward to the next year for continued use. And stored in the social security card, it has the function of increasing interest, just like saving money with a bank card.

Legal basis:

People's Republic of China (PRC) social insurance law

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.