Can the new rural cooperative medical system and social security be reimbursed together?

The new rural cooperative medical system and social security cannot be reimbursed together.

Although the new rural cooperative medical system and social security can pay at the same time, they cannot be reimbursed at the same time. The new rural cooperative medical system refers to rural medical insurance, which provides financial assistance to rural household registration personnel when they are sick. The proportion of reimbursement generally ranges from 20% to 80%, and the specific proportion depends on factors such as illness and hospital. Urban medical insurance is one of the five insurances, which are usually paid by enterprises and employees. Rural household registration personnel who work in cities and need to buy urban medical insurance can only choose one insurance for reimbursement when using medical services. The reimbursement rate of urban medical insurance is usually higher than that of the new rural cooperative medical system. Therefore, if there is already urban medical insurance, there is no need to buy the new rural cooperative medical system.

Reimbursement scope of new rural cooperative medical system:

1, outpatient expenses: the new rural cooperative medical system usually does not include reimbursement of outpatient expenses, but some areas may have certain outpatient subsidies;

2. Hospitalization expenses: The new rural cooperative medical system mainly reimburses hospitalization expenses, including medicine expenses, treatment expenses and operation expenses.

3. Serious illness insurance: The new rural cooperative medical system includes serious illness insurance, and a higher proportion of expenses for major illness treatment can be reimbursed;

4. Personal out-of-pocket ratio: The reimbursement ratio varies according to the policies in different regions, and patients usually need to bear a certain proportion of out-of-pocket expenses;

5. Annual capping line: The new rural cooperative medical system has an annual reimbursement capping line, and the expenses exceeding the capping line need to be borne by individuals themselves.

To sum up, the new rural cooperative medical system and social security cannot be reimbursed at the same time. If there is already urban medical insurance, there is no need to buy the new rural cooperative medical system.

Legal basis:

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

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.