Is the reimbursement ratio of employee medical insurance and agricultural insurance the same?

The reimbursement ratio of employee medical insurance and agricultural insurance is different.

Specifically, the proportion of medical insurance reimbursement for employees is generally high, usually between 70% and 90% of medical expenses, and different regions and policies may be different. However, the proportion of medical insurance reimbursement for rural residents is low, generally only 50% to 70% of medical expenses can be reimbursed, and the specific proportion will vary according to different regions and policies. In addition, the reimbursement scope of rural residents' medical insurance may be more limited than that of employees' medical insurance. For example, only basic medical expenses can be reimbursed, and high medical expenses cannot be reimbursed.

The information required for personal medical insurance is as follows:

1, my identity certificate or other personal identification documents;

2. Residents' medical insurance needs to provide residence booklet or residence permit and other documents to prove their residence, and employees' medical insurance needs to provide residence booklet and other documents where the work unit or individual is located;

3. Medical expenses settlement needs to provide relevant proof materials such as diagnosis certificate, medical record and prescription, and the requirements for diagnosis certificate may be different in different regions and different policies;

4. Individuals need to pay medical insurance premiums according to regulations and provide relevant certification materials before paying;

5. If you need to apply for a medical insurance card, you need to provide your photo, medical insurance card application form and other relevant supporting materials.

To sum up, there are differences in the proportion and scope of reimbursement between employee medical insurance and rural residents' medical insurance.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

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.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, 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.