Can medical insurance and social security be reimbursed at the same time?

If rural medical insurance (NCMS) and social security cannot be reimbursed at the same time, only one of them can be reimbursed. The new rural cooperative medical system and social security are two different insurance systems. The new rural cooperative medical system is mainly aimed at farmers, and it is a rural cooperative medical system to solve the problems of difficult and expensive medical treatment for farmers. Social security refers to social insurance, including pension, medical care, work injury, unemployment and maternity, collectively referred to as "five insurances". The main targets of social security are urban workers and flexible employees. They belong to different medical security systems, and we can only choose one of them. As for which reimbursement is more cost-effective, it depends on how much reimbursement.

Medical insurance is called medical insurance, which is mainly divided into three categories, namely, medical insurance for urban workers, medical insurance for urban residents and new rural cooperative medical insurance, in which rural medical insurance refers to the third category and generally refers to the new rural cooperative medical system. From 20 19, the new rural cooperative medical system was merged into the basic medical insurance for urban and rural residents. As we all know, rural medical insurance is paid once a year from the beginning of September to the end of 65438+February every year. Payment is the next year's fee, and the principle of voluntary payment is adopted.

Compared with social security, rural medical insurance is best to pay social security, because the reimbursement rate is higher. In terms of reimbursement ratio, the reimbursement ratio of urban and rural residents' medical insurance is 50%, and the employee's medical insurance is 70%. Therefore, if you can participate in employee medical insurance, you don't have to consider rural medical insurance. Of course, the premise is that there is a work unit to provide insurance. If there is no job, then it is recommended to choose rural medical insurance. This is because the cost performance is higher. Rural medical insurance mainly covers low-income groups, and only needs to pay a few hundred yuan a year, while the annual social security standard is more than 3,000, which is about 10 times higher than rural medical insurance, which can alleviate a lot of pressure, but it also has disadvantages, that is, you can't enjoy social security without accumulating years.

Legal basis:

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.