Rural cooperative and accident insurance can be reimbursed together

Accident insurance and rural cooperative medical care, social security medical can be reimbursed at the same time.

If an accidental hospitalization costs, I'm talking about hospitalization, belonging to the social security reimbursement scope of the costs can be reimbursed, but in principle, is reported to the cost cut-off, that is to say, for example, spent 10,000 yuan of the total cost of the hospitalization, the cooperative medicine reported 5,000 yuan, then the accident insurance and then report the rest of the 5,000 yuan of the reasonable part of the unreported, if the accident insurance and then reported 2,000 yuan, then the social security The most you can get is 3,000 yuan.

Accident insurance and cooperative medical care can be reported at the same time. The two have different responsibilities, so there is no conflict. Accident insurance is mainly to reimburse the damage caused by accidents, while the medical insurance reimbursement scope is a little more extensive, regardless of the disease or accident, as long as the hospitalization treatment, medical insurance will be reimbursed in accordance with the proportion.

Social insurance is a kind of insurance that is mandatory for the state to purchase, and the state develops the social insurance business, establishes the social insurance system, and establishes the social insurance fund, with the purpose of enabling the workers to get help and enjoy the insurance treatment in the case of old age, illness, work injury, unemployment, and maternity etc. The social insurance is a kind of insurance that is mandatory for the state to purchase. China's "labor law" "social insurance law" are expressly stipulated that the employer for the workers to pay social insurance is the employer's legal obligations, obviously has the characteristics of the national mandatory, the employer shall not be any excuse and reason to refuse to undertake the legal obligations.

The new rural cooperative medical care (referred to as the new rural cooperative medical care) refers to the government organization, guidance, support, voluntary participation of farmers, individuals, collectives and the government of the multi-party financing, with the main disease co-ordination of farmers' medical care mutual aid **** relief system. It takes the form of individual contributions, collective support and government funding to raise funds.

In October 2002, China made it clear that governments at all levels should actively guide farmers to establish a new rural cooperative medical system based on the coordination of major diseases.In 2009, China made an important strategic plan to deepen the reform of the medical and healthcare system, and established the status of the new rural cooperative as the basic medical insurance system for the countryside.On January 29, 2015, the National Health and Planning Commission (NHPC) and the Ministry of Finance (MOF) issued a report on doing a good job on the Circular on New Rural Cooperative Medical Care in 2015 proposed that the per capita subsidy standard for the New Rural Cooperative at all levels of finance be increased by 60 yuan on the basis of 2014 to reach 380 yuan.

In 2017, the per capita subsidy standard of all levels of finance to the new rural cooperative medical care was increased by 30 yuan on the basis of 2016 to 450 yuan, of which:The central finance subsidizes the new part in accordance with the proportion of 80% in the western region and 60% in the central region, and subsidizes the provinces in the eastern region by a certain proportion respectively. Individual farmers' contribution standards will be raised by 30 yuan on the basis of 2016, reaching a national average of about 180 yuan in principle. Explore the establishment of a stable and sustainable financing mechanism that is compatible with the level of economic and social development and the affordability of all parties.

Legal basis:

Article 28 of the Law of the People's Republic of China on Social Insurance

Medical expenses in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, medical service facility standards, as well as those for emergency and rescue, shall be paid out of the basic medical insurance fund in accordance with state regulations.

Article 29

The portion of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units. The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.