When can I buy rural medical insurance, and whether rural medical insurance can be bought at any tim

Rural cooperative medical care is the basic medical reimbursement for rural residents, and medical insurance is basic medical insurance for in-service employees or urban residents, both of which belong to social medical insurance. The medical insurance of the insurance company belongs to the commercial medical insurance, and the insurance object is very extensive, because the information of rural cooperative medical care and medical insurance and insurance companies is not interconnected, in practice, the three can be insured at the same time, but there will be conflicts in the reimbursement.

There is a conflict between rural cooperative medical care and medical insurance, because whether it is reimbursed in the rural cooperative medical system or in the medical insurance, after the reimbursement, the reimbursement unit will collect the original invoice of the medical expenses or indicate the reimbursement amount on the invoice, and the other reimbursement unit will refuse to reimburse. If you participate in either NCMS or medical insurance and participate in commercial medical insurance at the same time, you can only apply for compensation from the insurance company with a copy of the invoice after the reimbursement of NCMS or medical insurance, and the insurance company will only make claims for the remaining part after the reimbursement of NCMS or medical insurance; If you apply for a claim from the insurance company first, the insurance company will receive the original invoice, and the copy of the invoice will be refused if the NCMS or medical insurance does not recognize the copy of the invoice.

It is recommended to refer to the reimbursement policy and reimbursement ratio of the local agricultural cooperative cooperative system or medical insurance to participate in one of them, and at the same time, you can also participate in some supplementary medical insurance and hospitalization allowance insurance for customers with social medical insurance status launched by insurance companies to supplement the deficiencies of social medical insurance.

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November to December.

Summary. You can enroll at any time. However, the payment of NCMS premiums in the current year will only take effect on January 1 of the following year, that is, even if you participate in the NCMS in the current year, you can only be reimbursed for medical treatment in the following year.

The new type of rural cooperative medical care, referred to as "NCMS", refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties, and mainly coordinated for serious diseases. Funds are raised by means of individual payment, collective support and funding.

Rural medical insurance is not available at any time.

Rural cooperative medical care can be purchased at any time, but if it is renewed, then there is a corresponding time requirement. If you start paying the 2020 fee from October to December 2019, if you do not pay within this time, then there will be a 90-day waiting period for subsequent payments. If you choose to pay within the specified time, there will be no waiting period, that is, you can enjoy the protection of rural cooperative medical care throughout 2020.

You can enroll at any time. However, the payment of NCMS premiums in the current year will only take effect on January 1 of the following year, that is, even if you participate in the NCMS in the current year, you can only be reimbursed for medical treatment in the following year. The new type of rural cooperative medical care, referred to as "NCMS", refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties, and mainly coordinated for serious diseases.

Funds are raised by means of individual payment, collective support and funding.

China's annual rural medical insurance payment time is generally from September 1 to December 31 every year, so the time to pay medical insurance in 2022 this year is almost from September 1 to December 31. However, you should note that not all places have the same payment time, and the payment time is different in different regions, so if you want to pay medical insurance, you should go to the office where your household registration is located for consultation, but it is generally paid within three months from September to December, and the local village committee will notify you, so you should pay more attention.

Rural medical insurance is a basic guarantee for rural residents who are sick, so most rural residents will pay medical insurance every year, and now the new rural cooperative medical system has been gradually merged into "basic medical insurance for urban and rural residents", which is now collectively referred to as urban and rural medical insurance, as early as 2019, the state began to propose a unified urban and rural medical insurance, and in 2021, the country's No. 1 document clearly proposed to unify the basic medical insurance system for urban and rural residents, so the advantage of such a merger is that whether it is urban or rural medical insurance, After the unification, everyone can enjoy the same medical treatment, and the medical expenses are also unified standards.

After the urban and rural medical insurance is paid, if it is paid in the current year, it can generally be used from January 1 of the following year. Relevant medical expenses that meet the standards of the basic medical insurance drug catalog, diagnosis and treatment items, and medical service facilities can be reimbursed in accordance with the law.

[Legal basis].

Article 26 of the Social Insurance Law of the People's Republic of China.

The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 28.

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

Article 29.

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance through Hengxiangxian's banquet institutions and medical institutions and drug business units.

The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

1. The payment time for medical insurance for urban residents, social security for urban employees, and medical insurance for rural residents is as follows:

1. The medical insurance for urban residents is generally paid in the month of each year for the next year.

2. The social security premiums for employees of Chengmeng and Huazhen are paid by the unit every month, and the online declaration is generally before the 15th of each month, and the payment before the counter of the local taxation department must be before the 23rd.

3. The acceptance time of rural medical insurance is from September to December each year, and the detailed date of the village committee will be collectively notified, as long as the payment is made before the deadline shown in the last payment period, it is a normal payment.

2. Benefits of participating in medical insurance:

The medical insurance center will issue you a medical insurance card, which can be used to purchase drugs at designated pharmacies, and the medical insurance IC card can also be used for outpatient services and pay for part of the inpatient personal burden. Employees who participate in medical insurance should go to the designated hospital of local medical insurance for medical treatment, and they can not see a doctor in any hospital. In the medical insurance hospital, the general recruitment and physical examination expenses can be settled with the medical insurance card.

Summary. Hello dear. Since 2003, the new rural cooperative medical system has been piloted in some counties (cities) across the country, and by 2010, it will gradually cover rural residents across the country.

Rural cooperative medical insurance has been in place since 2003. Since 2003, the first financial department has arranged cooperative medical subsidy funds of 10 yuan per capita per year for farmers participating in the new cooperative medical care in the central and western regions, and the local financial subsidy for farmers participating in the new cooperative medical care is not less than 10 yuan per capita per year. The fulfillment of farmers' payment obligations in order to participate in cooperative medical care and resist the risk of disease cannot be regarded as increasing the burden on farmers.

This is the first time in China's history that large-scale investment has been made to solve the basic medical and health problems of farmers. The most basic and important point of extended information social insurance is that it does not emphasize the equality of individual costs and benefits, but the social satisfaction of insurance premiums. As a kind of social insurance, the satisfaction of the farmers who benefit from the new type of rural cooperative medical care and the taxpayers of the subsidy funds plays a pivotal role in its success.

Hello dear. Since 2003, the new Songbian Rural Cooperative Medical System has been piloted in some counties (cities) across the country, and by 2010, it has gradually covered rural residents across the country. The medical insurance for rural Hepi Sakurakasaku was started in 2003.

Since 2003, the first financial department has arranged cooperative medical subsidy funds of 10 yuan per capita per year for farmers participating in the new cooperative medical care in the central and western regions, and the local financial subsidy for farmers participating in the new cooperative medical care is not less than 10 yuan per capita per year. The fulfillment of farmers' payment obligations in order to participate in cooperative medical care and resist the risk of disease cannot be regarded as increasing the burden on farmers. This is the first time in China's history that large-scale investment has been made to solve the basic medical and health problems of farmers.

The most basic and important point of extended information social insurance is that it does not emphasize the equality of individual costs and benefits, but the social satisfaction of insurance premiums. As a kind of social insurance, the satisfaction of the beneficiary farmers and the taxpayers of the subsidy funds plays a pivotal role in its success.

Delivered since 2003.