Is NCMS considered medical insurance, and does NCMS belong to medical insurance?

New Rural Affordable Medical Insurance.

The new rural cooperative medical insurance is also a kind of medical insurance, but the medical insurance is divided into two situations, one is the new rural cooperative medical insurance, and the other is the urban employee medical insurance, so we can only choose one of them to participate in the medical insurance process, you can not participate in both medical insurance

Rural cooperative medical care is part of the medical insurance.

Medicare

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

A new type of rural cooperative medical care

The new type of rural cooperative medical care (hereinafter 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 based on the overall planning of serious diseases. It raises funds in the form of individual payment, collective support and funding.

The difference between rural cooperative medical care and medical insurance

1. The objects covered are different

The purpose of the state's implementation of this policy is to solve the problem of "poverty due to illness and return to poverty due to illness", relieve the economic pressure of farmers, and ensure basic health services for farmers.

The basic medical insurance for urban employees is a medical insurance established by employers and individuals, and is a social insurance system established by the state to compensate workers for economic losses due to the risk of disease. Moreover, it stipulates that township enterprises, their employees, and owners of urban individual economic organizations and their employees should also be included in the scope of basic medical insurance.

2. Different payment methods

The new type of rural cooperative medical care is a voluntary participation of farmers, and the annual payment standard of individual farmers cannot be raised by a combination of individual payment, collective support and funding. At present, the rural cooperative medical service is less than 10 yuan, of course, according to the regional economic conditions to divide the standard, good conditions, the payment standard may be higher. The payment standard of medical insurance is 100 yuan, 200 yuan, 300 yuan, 400 yuan, and 500 yuan per year.

The basic medical insurance premiums for urban employees are paid jointly by the employer and the employee. The employer's contribution rate should be controlled at about 6% of the total salary of the employee, and the employee's contribution rate is generally 2% of the employee's salary income. What Xiaojin wants to say is that the employer's contribution rate and the employee's own contribution rate will not remain unchanged forever, and with the development of the economy, it can be adjusted accordingly.

3. Different treatment

The subsidy for the new type of rural cooperative medical expenses is also different in different levels of medical institutions, 100 yuan for first-level hospitals in the county, 200 yuan for second-level hospitals, and 500 yuan for hospitals outside the county, and the proportion of subsidies is also different, 60% for first-level hospitals in the county, 50% for second-level hospitals, and 40% for hospitals outside the county.

The basic medical insurance for urban employees is that the insured can enjoy the outpatient package of personal account expenses, but also enjoy inpatient medical treatment, subsidies for serious illnesses and lump sum treatment of medical expenses for special diseases, which sounds like a lot of discounts, and the use of rural cooperative medical care is different, the implementation of urban employee medical insurance is a combination of accounts.

New Rural Affordable Medical Insurance. NCMS is a new type of rural cooperative medical insurance.

The new type of rural cooperative medical insurance is a medical security system created by farmers (agricultural household registration) in China themselves, which has played an important role in ensuring that farmers have access to basic health services and alleviating the poverty caused by illness and returning to poverty due to illness. The new rural cooperative medical system is a system of mutual medical assistance and mutual aid for farmers that mainly takes into account the settlement of major illnesses and minor diseases.

New Rural Affordable Medical Insurance.

The new rural cooperative medical insurance is also a kind of medical insurance, but the medical insurance is divided into two situations, one is the new rural cooperative medical insurance, and the other is the urban employee medical insurance, so we can only choose one of them to participate in the medical insurance process, you can not participate in both medical insurance

Hello, NCMS is a kind of medical insurance.

You can read this article first to understand what is the use of NCMS? The most complete strategy is here!

Medical insurance is a part of social insurance, and medical insurance includes three categories: medical insurance for urban employees, medical insurance for urban residents, and new rural cooperative medical care; That is, we often hear about the three categories of employee medical insurance, urban housing insurance, and new rural cooperative medical system.

The full name of NCMS is: New Rural Cooperative Medical Care. The medical system, which is mainly insured by farmers and friends, also belongs to the national medical insurance.

At present, the vast majority of regions have merged the "New Rural Cooperative Medical System" and the "Urban Housing Insurance" into the "Basic Medical Insurance for Urban and Rural Residents", and there is no longer a distinction between urban and rural medical treatment, which is more fair.

After the merger, the medical insurance for urban and rural residents has the following two advantages compared with the previous NCMS:

More complete protection: The reimbursement ratio, reimbursement amount, and drug list are all higher than before, for example, the scope of medical insurance drugs has been expanded from 1,127 to 2,500 in the original NCMS.

Reimbursement is more convenient: In the past, when the elderly were sick and used the NCMS, they had to advance money first, and then take the documents to the Social Security Bureau for reimbursement, which may not be reimbursed for ten days and half a month.

The merger of the NCMS and the medical insurance for urban residents has enabled farmers to enjoy better medical treatment, which is favorable evidence that the medical reform has benefited farmers.

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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. However, the survey found that some farmers did not participate in the new rural cooperative medical care mainly because of the low level of protection of the new rural cooperative medical care, the farmers did not have a deep understanding, and they were afraid of policy changes, thinking that they were taking their own insurance money to compensate others. The dissatisfaction of farmers participating in the new rural cooperative medical care is mainly due to the low level of security and the cumbersome procedures for participating in and handling reimbursements.

In addition, policy injustice has led to low social satisfaction with the new rural cooperative medical system. Expanding information to establish a new type of rural cooperative medical system, starting from China's basic national conditions, is a major measure to solve the problem of farmers' difficulty in seeing a doctor, which plays an important role in improving the health level of farmers, alleviating the poverty caused by illness and returning to poverty due to illness, coordinating urban and rural development, and achieving the goal of building a moderately prosperous society in an all-round way. All relevant departments should fully understand the great significance of carrying out the pilot work of new rural cooperative medical care from the height of governing for the people, people-oriented and building a harmonious society, and in accordance with the deployment and requirements of the first country, unify thinking, clarify goals, carefully organize, and do solid work, so as to grasp this major event for the benefit of the vast number of farmers.

The relevant departments of all provinces (autonomous regions and municipalities) should conscientiously organize and carry out investigation and research, improve the pilot program, standardize the operation mechanism, and form 2 or 3 relatively mature pilot models for reference in the future.

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NCMS is a type of medical insurance and a type of medical insurance. The new rural cooperative medical system, referred to as the New Rural Cooperative Medical System, is a 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. Article 16 of the Social Insurance Law provides that an individual who participates in the basic pension insurance and has paid contributions for 15 years or more when he reaches the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations. The NCMS belongs to the medical insurance, and the merger of the NCMS and the urban residents' medical insurance into the medical insurance for urban and rural residents has basically been completed, and it will no longer be called the NCMS in the future, but the medical insurance for urban and rural residents. At present, the annual payment standard for individuals is 180 yuan per person, and the state subsidy is 480 yuan per person per year.

This is a very affordable policy, so that farmers can enjoy the basic medical system and enjoy the fruits of reform and economic development on an equal footing with urban residents.

Rural cooperative medical care is actually a kind of medical insurance, so it belongs to medical insurance. This year, the New Rural Cooperative Medical Insurance and the urban named medical insurance were officially merged, collectively known as the medical insurance for urban and rural residents. Rural residents will enjoy the same medical treatment as urban residents.

At present, China's medical insurance is roughly divided into two types: urban employee medical insurance and urban and rural residents' medical insurance. If you have paid the medical insurance for urban employees, then you do not need to pay the medical insurance for urban and rural residents.

Extended Materials. The full name of NCMS is "new rural cooperative medical care", which refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported by the first class, voluntarily participated by farmers, and financed by individuals, collectives and multiple parties, and is mainly based on the overall planning of serious diseases, which is a type of national medical insurance. The medical insurance is often referred to as social medical insurance, which is a social insurance system established by the state and society in accordance with certain laws and regulations to provide basic medical needs for workers within the scope of protection when they are sick.

From the perspective of life, NCMS ≠ medical insurance, but if you think that the full name of medical insurance is medical insurance, then NCMS belongs to the ranks of medical insurance, and the key depends on everyone's definition of medical insurance. The medical insurance for urban and rural residents is open to anyone who has not participated in the employee medical insurance, while the NCMS can only be insured by rural residents. The main purpose of NCMS is to allow farmers to receive more reimbursement in township health centers, with a lower starting line, and relatively less reimbursement in urban hospitals.

In addition, the payment standards, reimbursement ratios and reimbursement scope of the two are also very different, and the three NCMS are not as good as social medical insurance.

The full name of the new rural cooperative medical system is called the new rural cooperative medical insurance, as the name suggests, it is also medical insurance, so the medical insurance we usually refer to is generally only for the employee medical insurance, so the new rural cooperative medical insurance, and our employee medical insurance There is still a clear difference. Especially for us personally, in the process of choosing NCMS and this kind of employee medical insurance, you can only choose one of them to participate in the insurance, and you can't participate in both medical insurances.

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If you say that you have participated in the new rural cooperative medical insurance and employee medical insurance at the same time, then the final result is that you will not be able to enjoy the reimbursement treatment of double medical insurance, which is not really necessary for yourself. Therefore, we only need to choose one of them, of course, in general, it is still preferential to employee medical insurance, because after all, the reimbursement ratio of employee medical insurance is relatively high, and at the same time, employee medical insurance can accumulate payment years, and if you say that your years reach about 25 years in the future, you can also handle the retirement treatment of employee medical insurance.

Is there a difference between NCMS and whether it belongs to medical insurance?

This is not possessed by the new rural cooperative medical insurance, the new rural cooperative medical insurance, even if you pay for many years, then after reaching the statutory retirement age in the future, you still need to pay the corresponding fees in order to enjoy the reimbursement of the new rural cooperative medical insurance, so the new rural cooperative medical insurance is not to enjoy retirement treatment, so if we participate in the employee medical insurance, there is no need to participate in the new rural cooperative medical insurance, because after all, the reimbursement ratio of the new rural cooperative medical insurance is relatively low, Moreover, he does not enjoy retirement benefits, and the new rural cooperative medical insurance will not establish a personal medical insurance account.

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But our new rural cooperative medical insurance is actually within the scope of medical insurance, because it is the same as our staff medical insurance, you can go to the hospital to see a doctor, and in the process of seeing a doctor is to enjoy part of the reimbursement ratio, the reimbursement ratio is relatively low, some, the reimbursement ratio of the new rural cooperative medical insurance is about 50%, then our staff medical insurance can reach about 70%.

Is there a difference between NCMS and whether it belongs to medical insurance?

Under normal circumstances, the new rural cooperative medical insurance is mainly faced by the masses in rural areas, as well as the people who do not have jobs in the city, because the income of this part of the population is relatively low, so it is more appropriate to participate in the new rural cooperative medical system, because the annual payment level of the new rural cooperative medical system is relatively low, only two or three hundred yuan can be completed throughout the year.

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Check that the group of employee medical insurance is mainly the in-service employees of enterprises or the employees of government institutions and institutions, or pay according to the flexible employment method.