Which is the higher rate of reimbursement between health insurance and agricultural insurance?

Medicare is higher. The reimbursement ratio of agricultural insurance and medical insurance is, agricultural insurance reimbursement is around 20 to 80%, while medical insurance is around 70%. The starting line of urban and rural residents' medical insurance, higher than the agricultural insurance, the reimbursement ratio in large hospitals is also higher than the agricultural insurance; while the agricultural insurance reimbursement in the township health centers is higher. Contributions for urban and rural residents' medical reimbursement are made every month and can be reimbursed up to 70 percent, while agricultural insurance is paid once a year and is reimbursed up to 30 percent.

The percentage and amount of medical insurance reimbursement is related to your examination and medication, medical grade and other factors. Farmer's insurance and employee social security are both part of social insurance, but the base of employee insurance is higher than that of the new farmer's insurance. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for financial losses caused by the risk of illness. A medical insurance fund is established through contributions from employers and individuals, and medical insurance organizations provide certain financial compensation to insured persons after they incur medical expenses for sick visits.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the units and members of society, together with the government's financial support, which enables the sick members of society to obtain the necessary material assistance from society, reduces the burden of medical expenses, and prevents the sick members of society from "becoming poor because of illness".

A definition of the new rural cooperative and social security

1, social security includes pension insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance, which is often referred to as the five insurance, is the enterprise for the employees to buy the protection of treatment and welfare, but also the state is mandatory to buy.

2, the new rural cooperative medical care, referred to as the new rural cooperative medical care, has now been merged with the urban residents medical insurance collectively referred to as urban and rural residents medical insurance. Simply put, there are five types of social security insurance, while the new rural cooperative is only medical insurance.

Second, the difference between the new rural cooperative and the social security

1, the payment standard is different

Social security because there are five insurance, the contribution is much higher than the new rural cooperative. The annual contribution of the new rural cooperative is about two hundred yuan, and the minimum contribution of social security is more than one thousand yuan, and the higher the salary, the higher the amount paid.

2, the reimbursement rate is different

Social security in the medical insurance, mainly used for medical reimbursement, including reimbursement of hospitalization medical expenses, maternity benefits, as well as general outpatient and other co-ordination of the reimbursement of medical expenses.

The reimbursement rate is different for different areas of the country. If you are treated in a township hospital, the reimbursement rate is higher; if you are treated in a municipal hospital or higher, the reimbursement rate is higher.

Both reimbursement rates decrease as the level of the hospital rises. For example, the reimbursement rate for social security is generally 70%-85%, and 50%-70% for the New Agricultural Contract. (The above content, for reference only, the specific content of the local policy shall prevail)

3, the scope of use

Social security in the medical insurance, can be used for registration, see the doctor, pharmacy to buy drugs, hospitalization reimbursement, etc.. The New Farmers' Cooperative is currently only reimbursed for hospitalization in a number of cities, and a small number of cities can also be reimbursed for visiting a doctor for medical treatment.

4, the scope of different

Social security as long as there is a formal job or in the town can participate in social security. And the new rural cooperative, only rural households can do.

5, the different years of participation

Social security monthly payment, broken after the next month after the medical reimbursement can not be. The total number of years of participation in the accumulated 15 years, you can receive a monthly pension after retirement. Generally speaking, men who have been insured for 25 years and women who have been insured for 20 years can still enjoy medical reimbursement after retirement.

6, social security and the new rural cooperative can pay at the same time?

Most areas can pay at the same time, but some areas can not pay at the same time. However, in some areas, if you have a new rural cooperative, you can't be on the social security, and you must cancel the new rural cooperative to pay the social security.

Because the social security coverage is more comprehensive and medical reimbursement rate is higher, it is recommended to cancel the new rural cooperative to pay the social security.

Three reasons to supplement commercial insurance

1, the social security generally do not have life insurance

If the death of the disease, the social security can not pay hundreds of thousands of dollars to the insured, like commercial insurance, can only give a pension.

2, social security does not have the function of premium waiver

The so-called premium waiver refers to the insurance contract in some specific circumstances leading to total incapacity, by the insurance company is authorized to agree to the policyholder can no longer pay the subsequent premiums, the insurance contract is still in force.

For example, if you buy a pension insurance policy from an insurance company, and the policyholder suffers a major illness (including an accident), then you may not have to pay any of the remaining unpaid premiums, while social security still has to be paid.

3, old age only rely on social security is not enough

Mature countries of social security can only solve the old age 30% -40% of the cost of social security also determines the basic nature of its only to ensure that the insured person in old age have food to eat and not meat to eat, if you want to live a more quality of life in old age, we have to rely on other savings and investment.

4, social security has no tax avoidance function

China's upcoming implementation of inheritance tax and gift tax will allow more private wealth to become state-owned. As a result, more and more rich people are using commercial insurance to avoid taxes, because the money saved in commercial insurance is for the beneficiaries rather than the heirs, so there is no tax to pay.

5, commercial insurance accounts can not be frozen

To give a less appropriate example, a person who is bankrupt and owes hundreds of millions of dollars in debt, all the bank accounts have been frozen and seized, if he had deposited enough money in the insurance account, then he can still live a happy life in his old age.

6, social security only reimbursement of social security drug catalog of drugs

Social security for new drugs and some imported expensive drugs generally can not be reimbursed, while the commercial insurance can be reimbursed.

7, the social security system of medical reimbursement

first advance money and then reimbursement, while the commercial insurance more than one method of compensation, first pay for treatment. Usually when a person is sick, in addition to direct medical costs, there will be the following three costs:

One is the cost of follow-up treatment of subsequent consumer goods;

The second is the cost of loss of source of income due to inability to work;

The third is the follow-up treatment costs, nutritional costs, nursing care, etc., after the occurrence of a serious illness. All these costs can be solved by commercial insurance.

Legal basis

The Social Insurance Law of the People's Republic of China

Article 2 of the State establishes a social insurance system for basic old-age insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., and guarantees the right of citizens to receive material assistance from the State and society in accordance with the law in the event of old age, sickness, work-related injuries, unemployment and maternity.

Article 12: Employers shall pay basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the organization as prescribed by the State, to be credited to the Basic Pension Insurance Co-ordination Fund. Employees shall pay the basic pension insurance premiums in accordance with the proportion of their own wages prescribed by the state and credited to their individual accounts. Individual business households without employees, part-time workers who do not participate in the basic pension insurance in the employer and other flexible employment to participate in the basic pension insurance, should pay the basic pension insurance premiums in accordance with the state regulations, respectively, credited to the basic pension insurance fund and individual accounts.