Is social security cooperative medical insurance?

Rural cooperative medical insurance is a social security system, which is very useful for farmers. Most farmers will buy this kind of insurance, which is different from social security.

First, what is the rural cooperative medical insurance?

Rural cooperative medical insurance refers to the system of mutual medical assistance and economic assistance for farmers, which is organized, guided and supported by the government, voluntarily participated by farmers and jointly funded by individuals, collectives and the government. Take individual contributions, collective support and government funding to raise funds. Rural cooperative medical care is a medical security system created by farmers themselves in China, which has played an important role in ensuring farmers' access to basic health services and alleviating poverty caused by illness and returning to poverty due to illness.

Second, the difference between rural cooperative medical insurance and social security?

1, rural cooperative medical insurance can only be participated by farmers, that is, people with rural hukou;

2, the rural cooperative medical insurance must take the family as a unit to participate in the whole family;

3, the rural cooperative medical insurance is a year to pay, a year to participate in, to participate in this year to enjoy reimbursement;

4. Due to the limited financing of rural cooperative medical insurance fund, the security is slightly lower;

5. Rural cooperative medical insurance is a national policy, and the ultimate goal is to solve the problem of "poverty caused by illness and returning to poverty due to illness". The medical insurance in social security has the characteristics of "low level and wide coverage", and the payment is based on the expenses that most units and individuals can bear at a low level, covering all units and employees in cities and towns. Employees of different units can enjoy the right of basic medical insurance, and the insured can enjoy it for life after completing the payment period. Secondly, the basic medical insurance has the characteristics of "burden on both sides and combination of unified accounts". In accordance with the principle of balance of payments, enjoy treatment according to unified standards. "

How to reimburse rural cooperative medical insurance

1, outpatient compensation

(1) village clinics and village center clinics are reimbursed 60%, and the prescription drug fee limit for each visit 10 yuan, and the prescription drug fee limit for temporary rehydration for doctors in health centers is 50 yuan.

(2) Reimbursement for medical treatment in town health centers is 40%. The limit of examination fee and operation fee for each visit is 50 yuan, and the limit of prescription drug fee is 100 yuan.

(3) The reimbursement for medical treatment in secondary hospitals is 30%, and the limit of each examination fee and operation fee is 50 yuan, and the limit of prescription drug fee is 200 yuan.

(4) 20% reimbursement for medical treatment in tertiary hospitals, with the limit of each examination fee and operation fee in 50 yuan and the limit of prescription drug fee in 200 yuan.

(5) The prescription attached to the invoice of traditional Chinese medicine is limited to 1 yuan.

(6) The annual compensation limit for rural cooperative medical clinics is 5,000 yuan.

2, hospitalization compensation

(1) Reimbursement scope:

A. Drug expenses: auxiliary examination: the expenses for ECG, X-ray fluoroscopy, radiography, laboratory tests, physical therapy, acupuncture, ct and nuclear magnetic resonance are limited to 200 yuan; Surgical expenses (refer to the national standard, reimbursement exceeding 1000 yuan 1000 yuan).

B, the elderly over 60 years old are hospitalized in the town health center, and the daily treatment and nursing expenses are compensated 10 yuan, with the limit of 200 yuan.

(2) Reimbursement ratio: town hospitals reimburse 60%; 40% reimbursement for secondary hospitals; Third-level hospitals are reimbursed 30%.

(3) Compensation for serious illness

Compensation from town risk fund: if the medical expenses of inpatients participating in cooperative medical care exceed 5,000 yuan at one time or for the whole year, they should be compensated by stages, that is, 5001-kloc-0/0000 yuan is 65%, and10001-8000 yuan is 75%.

The annual compensation limit of town-level cooperative medical system hospitalization, uremia outpatient hemodialysis and tumor outpatient radiotherapy and chemotherapy is 1. 1 ten thousand yuan.

To sum up, we can know that there are great differences between rural cooperative medical insurance and social security, such as payment standards, payment years and security.

Legal basis:

Article 58 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.