What should I do if I have employee medical insurance and pay the rural cooperative?

Facing the situation of both employee medical insurance and new rural cooperative medical system, the solution mainly includes the following steps:

1. First of all, we must understand the local medical insurance policy, especially the specific provisions on repeated insurance and reimbursement. This can be obtained by visiting the local social security department or official website of the medical insurance institution, or consulting the relevant departments directly.

2. Secondly, among the two types of insurance, in view of the fact that employee medical insurance is usually more extensive in the proportion and scope of reimbursement, it is recommended to keep employee medical insurance. The new rural cooperative medical system is mainly designed for rural residents. If you have paid the fee for the new rural cooperative medical system, you can consult the local rural cooperative management department to find out how to deal with it, such as choosing not to renew your insurance and stop participating in it.

3. In addition, if the local policy allows, we can try to merge the information of the new rural cooperative medical system into the employee medical insurance, or transfer the personal account balance in the new rural cooperative medical system to the employee medical insurance, and make full use of the existing resources.

The main differences between employee medical insurance and the new rural cooperative medical system are as follows:

1, for different groups of people: medical insurance for employees is mainly for urban workers, and the new rural cooperative medical system is mainly for rural residents.

2. Different payment methods: the premium of employee medical insurance is shared by units and individuals and paid monthly; The premium of the new rural cooperative medical system is paid annually and consists of individual and government subsidies.

3. Different retirement schemes: After employees reach the statutory retirement age and meet the requirements of payment period, they can apply for retirement and enjoy medical insurance benefits for life; The new rural cooperative medical system has no retirement plan and needs lifelong payment.

To sum up, there are obvious differences between employee medical insurance and the new rural cooperative medical system in terms of insured population, payment method, retirement scheme, insured amount and reimbursement ratio. Therefore, when choosing the types of medical insurance, it is recommended to consider it according to your actual situation and needs.

Legal basis:

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

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.