Is the new rural cooperative medical system the basic medical insurance?

The new rural cooperative medical system is not medical insurance. Difference and compensation ratio between new rural cooperative medical system and employee medical insurance;

1, the objects covered are different. Medical insurance for employees is aimed at all employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises). ), organs, institutions, social organizations, private non-enterprise units and their employees.

Whether township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance shall be decided by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government. The new rural cooperative medical system must have a rural hukou to handle it.

2. The payment entities are different. Medical insurance for employees refers to the establishment of a medical insurance fund by the state through legislation mandating employers and individual members of society to jointly pay medical insurance premiums.

The new rural cooperative medical system is a mutual medical assistance system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily, raising funds from individuals, collectives and the government, and focusing on serious illness as a whole.

3. Different payment methods. Medical insurance for employees is compulsory, which is paid jointly by the unit and employees and needs to be paid for a certain number of years.

The new rural cooperative medical system is a voluntary participation of farmers, and it must be attended by the whole family, and it is necessary to go through the formalities of insurance payment every year.

4. The payment standard is different. The payment of basic medical insurance for employees is linked to individual wages and paid according to relevant proportional standards. It can be divided into several grades, 8% for general units and 2% for individuals. The payment standard of employee medical insurance is much higher than that of the new rural cooperative medical system.

The payment standard of the new rural cooperative medical system is 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan, and the payment level is set according to the local conditions;

Different provinces and cities have different payment standards because of different economic levels. Please call the local social security bureau at 12333 for free consultation.

5. The reimbursement rate is different. Employees participating in the basic medical insurance have personal accounts, which are regularly credited to expenses, with a high reimbursement rate, a minimum payment standard and a maximum amount, and medical expenses are not capped. Employees' basic medical insurance can be enjoyed for life after completing the payment period.

The new rural cooperative medical system has no personal account, the reimbursement ratio is lower than the basic medical insurance for employees, and the limit is lower. Moreover, the new rural cooperative medical system participates once a year and enjoys reimbursement this year.

6. The scope of reimbursement is different. The reimbursement rate of the new rural cooperative medical system is higher in rural township hospitals, and lower in hospitals above the municipal level, but both of them decrease with the improvement of hospital level.

Legal basis:

Notice on the new rural cooperative medical system

Financial subsidies for the new rural cooperative medical system at all levels are raised from 240 yuan to 280 yuan per person per year. Within the scope of the policy, the reimbursement rate of hospitalization expenses will be increased to about 75%, and the pilot work of major diseases protection for 20 diseases such as childhood leukemia, congenital heart disease, colon cancer and rectal cancer will be comprehensively promoted. The following is a detailed introduction:

1. Insured object: Farmers who do not enjoy the basic medical insurance for urban workers and have local permanent residence in agricultural registered permanent residence, regardless of gender, age and occupation, can participate voluntarily on a household basis. The identification of agricultural registered permanent residence is subject to the household registration book.

2. Insurance procedures: farmers register in the village committee on a household basis within the specified time, pay the new rural cooperative medical fund for all family members, and then the cooperative medical management center uniformly issues the new rural cooperative medical certificate. Policies are slightly different across the country, but the principles are the same.

Second, the use of social insurance.

It is a social and economic system that provides income or compensation for people who are unable to work, temporarily unemployed or suffer losses due to health reasons.

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund.

Under certain conditions, the insured can get fixed income or loss compensation from the fund, which is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system.

In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility.

However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

The new rural cooperative medical insurance policy stipulates that all rural users, regardless of age and occupation, can apply for social insurance. To apply for rural social insurance, you need to register with the village Committee and pay the cooperative medical fund of all family members.