Is there a conflict between medical insurance in social security and rural medical insurance?

There is a conflict between medical insurance in social security and rural medical insurance.

Specifically, if you participate in the basic medical insurance for urban workers (that is, medical insurance in social security) and rural cooperative medical care (that is, rural medical insurance) at the same time, you may encounter the following situations when you seek medical treatment:

1. Reimbursement of medical expenses: medical insurance in social security can be used for reimbursement in urban areas; If you seek medical treatment in rural areas, you can use rural medical insurance for reimbursement. However, if two kinds of insurance are used at the same time, it may lead to problems in reimbursement of medical expenses, and the specific policies and operation methods need to be consulted with the social security department or the rural medical insurance management department;

2. Medical treatment: There may be differences in medical treatment between medical insurance in social security and rural medical insurance, such as reimbursement ratio and scope. Therefore, we must know the specific policies and treatment of the two insurances before seeking medical treatment, so as to make a reasonable choice of medical treatment.

Medical insurance reimbursement conditions are as follows:

1, cooperative medical system designated medical institutions for medical treatment;

2, in line with the basic medical insurance drug list, diagnosis and treatment projects, medical service facilities standards and emergency medical expenses;

3, in the social medical co-ordination fund Qifubiaozhun above and below the maximum payment standard limit, paid by the social medical co-ordination fund in a unified proportion.

To sum up, medical insurance and rural medical insurance in social security are established to protect the medical rights and interests of the insured. If you participate in both types of insurance at the same time, you should make a reasonable choice according to your own situation in order to obtain better medical security and services.

Legal basis:

Article 16 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals participating in the basic old-age insurance have paid less than fifteen years when they reach the statutory retirement age. You can pay for fifteen years and receive a basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.