Do you need to stop the NPS after you start paying social security?

After joining the social security, do you need to cancel the previous new rural cooperative? In fact, many people have participated in the NCMS, or urban and rural residents' medical insurance before participating in social security. So, if you participate in social security, do you need to cancel your previous NCMS? We said it doesn't need to be canceled. As long as you don't pay for the NCMS, it is equivalent to giving up participating in the NCMS and no longer enjoying the NCMS health insurance reimbursement, so it is equivalent to canceling it, and you don't need to cancel it specifically.

So there is no need to worry about this. Of course, we joined the social security, social security including employee health insurance, so it is important to note that the new rural cooperation can not be insured. Even if you join the NPS, you can't enjoy dual health insurance reimbursement. You can't enjoy the employee health insurance reimbursement, and you want to be reimbursed by the New Farmers' Cooperative. This is not allowed, creating a duplicate payment situation, so there is no practical significance for yourself.

What we need to do is to stop the payment of the new rural cooperative. Generally the NPS is paid once a year. That time, before the end of the previous year, pay the appropriate fee is about two or three hundred dollars. Then from January 1 of the following year, you can enjoy the reimbursement for the entire natural year of the New Farmers' Cooperative. At the same time, all we have to do is stop making payments. Then we can no longer enjoy the New Farmers' Cooperative, and there is no duplicate reimbursement or duplicate payment, so we can stop paying on our own.

Because we participate in the Employee Health Insurance, the reimbursement rate of the Employee Health Insurance is far more than the NAC. In general, the reimbursement rate of employee health insurance is up to 70% or more, and even if the level of your hospital is even lower, the reimbursement rate will be even higher. However, if you use the New Farmers' Cooperative, its reimbursement rate is only 50%, and the reimbursement cost of the employee health insurance will be relatively more, so you should give priority to keep the employee health insurance.

And the employee health insurance can accumulate contribution years, that is to say, you can start contributing from now on, and keep participating in the employee health insurance normally. Before retirement, you can ensure that you have about 25 years of accumulated contributions, so that you can get the retirement benefits of normal health insurance. Even if the retirement before less than 25 anniversary, but also allows a one-time pre-retirement to make up the 25 anniversary of the cost, directly for the employee health insurance retirement benefits, enjoy a lifetime of free health insurance reimbursement.

So this is the advantage of employee health insurance, employee health insurance will also set up an individual health insurance account. So, this personal health insurance account means that we have money in our social security card, we can go to the pharmacy to buy medicine and settle the bill at the outpatient clinic, which can greatly reduce the cost of purchasing medicine and the cost of outpatient medical treatment. For myself, this is a great advantage over the new rural cooperative.

Related Q&A: Do you have to stop the NAC to pay social security? Social security and NAC have nothing to do with each other, so there is no question of having to stop paying. Social security and the new rural cooperative can be paid at the same time, but the new rural cooperative for rural medical insurance, itself is one of the social insurance. If your organization still pays for medical insurance, then individuals can only enjoy one of the two between the rural cooperative and the medical insurance. Through the integration of urban and rural residents health insurance system, to realize the system policy "six unified", the integration of management resources, enhance the effectiveness of the service, urban and rural residents will get more benefits: 1, is the system more fair. After the integration of the urban and rural residents' health insurance system, urban and rural residents are no longer subject to the restrictions of urban and rural status, and will participate in a unified urban and rural residents' health insurance system, paying contributions and enjoying benefits in accordance with a unified policy, so that urban and rural residents will be able to more equitably enjoy the basic rights and interests of medical protection; 2. more balanced protection treatment. In accordance with the principles of basing on the basics and guaranteeing fairness, the urban-rural gap and regional differences are fully taken into account and gradually narrowed, and the guarantee treatment, medical insurance catalog and medical care management are unified, while the guarantee treatment is moderately increased, so that the treatment of residents' medical care between urban and rural areas and between regions is more balanced; and 3. the service is more standardized. Through measures such as the unification of fixed-point management, the integration of health insurance funds, the integration of administrative resources, and the raising of the level of integration, insured residents can enjoy integrated administrative services in urban and rural areas. At the same time, after the integration of the system, the implementation of integrated management services, eliminating the urban and rural system, management division, resource dispersion and other obstacles, urban and rural residents health insurance relationship transfer and continuity more convenient. With the rapid development of the economy and society, the negative effects of the urban-rural division of the two systems have begun to emerge, with problems such as duplication of participation, duplication of inputs, and insufficient treatment. On the basis of summarizing the operation of the urban residents' medical insurance and the New Rural Cooperative Medical Insurance and the experience of local exploration and practice, the CPC Central Committee and the State Council clearly proposed the integration of the two systems of the urban residents' medical insurance and the New Rural Cooperative Medical Insurance, and the establishment of a unified basic medical insurance for urban and rural residents (hereinafter referred to as the urban and rural residents' medical insurance) system. Article 58 of the Social Insurance Law of the People's Republic of China Employers shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for their employees. If the employer fails to apply for social insurance registration, the social insurance agency shall approve the social insurance premiums to be paid by the employer. Related Q&A: Do I still need to buy Farmers' Compensation even though I pay social security?

It depends on the number of years you've been paying social security contributions, less years can't enjoy the health insurance benefits, you'd better pay for the agricultural cooperative.

Why?

Because if you ask, you know that you are a person who has a labor relationship with a company that pays the employee's social security, and when you return to the countryside, you ask if you need to pay the rural cooperative medical insurance. This insurance is now categorized as urban and rural residents' medical insurance. That is to say, the old rural cooperative and the new rural cooperative no longer exists, is now called urban and rural residents health insurance, belong to a year to pay, the next year to enjoy the treatment, the general area of the annual per person in two or three hundred yuan, a year of accounting, do not pay the next year, there is no treatment.

While you pay the employee social security, under normal circumstances, covering pension insurance, medical insurance, unemployment insurance, workers' compensation insurance, and maternity insurance, now maternity insurance merged into the medical insurance inside. Here to answer this question, the main key question to look at is how many years you paid the employee social security, because the employee social security in the pension insurance and medical insurance contribution period is different. The minimum number of years for retirement for pension insurance is 15 years, while employee health insurance is usually 25 years for men and 20 years for women, much longer than pension insurance?

So, as a rural wage earner, it's hard to stick to paying for health insurance for such a long period of time, and if you don't pay enough years for health insurance you won't be able to enjoy the health insurance benefits. Then this is involved once you go back to the rural medical insurance, you think you pay the employee social security, which has medical insurance, you do not have to pay the agricultural cooperation, now called the residents of the medical insurance, once you are sick and hospitalized or what is more serious, your financial losses will be even greater, because you pay the social security of the years did not reach the minimum number of years of medical insurance requirements, a penny not to report you how to do? It's really not as good as spending 300 bucks or so for a year of peace of mind.

So, here is what I suggest: you should pay for the residents' health insurance every year, 300 dollars for the whole year, and one dollar a day for a peace of mind. Because of your employee social security in the medical insurance premiums for too long, you pay a three or two years to reach the minimum number of years do not enjoy the health insurance treatment, once sick hospitalization loss is greater, this has nothing to do with the social security of the old age pension insurance, and then you really if you can really pay the medical insurance to enough years to enjoy the treatment, then do not pay the residents of the medical insurance, this is not more sure of the cost-effectiveness of it?

The concern prairie miscellany, you will have a different feeling!