Is it better for individuals to pay for medical insurance or NCMS?

The reimbursement of these two types of medical insurance is similar, and the participants are mainly determined according to the attributes of the household registration. Because the peasant population is much higher than that of urban residents.

Population, relatively speaking, NCMS.

The guarantee capacity is higher, and the reimbursement ratio is also higher. However, domestic medical insurance.

The method of participating in insurance is adopted, and the proportion of reimbursement for different grades is not the same, and the more you pay, the higher the report. If specific to some major diseases.

Both have different critical illness protection policies. The participants are mainly determined according to the attributes of the household registration, and the rural ones are suitable for the New Rural Cooperative Medical System, and the urban ones are more suitable for urban medical insurance.

Which is the best deal, NCMS or medical insurance?

the characteristics and differences between NCMS and urban medical insurance;

Both have their own characteristics; NCMS belongs to the health system, while urban medical insurance belongs to the social security system, and the two systems are different. There are also many patients who come to consult what medical insurance is more cost-effective to use, but because it belongs to different systems, policies and rules are different, it is unscientific to simply say which is cost-effective. They can only make the difference between the two clear, and the patient chooses for himself.

In addition, reimbursement rates vary depending on the level of funding. Medical insurance for urban workers.

The reimbursement ratio of hospitalization expenses within the scope of the policy is more than 80, and the reimbursement ratio of hospitalization expenses within the scope of the urban residents' medical insurance and the New Rural Cooperative Medical System policy is about 70 and 75 respectively. The ceiling line for reimbursement of hospitalization expenses under basic medical insurance has been increased year by year, and the NCMS has generally been raised to 150,000 yuan, and the overall planning area with the highest medical insurance for urban residents has reached 120,000 yuan.

At present, when the NCMS farmers see a doctor across regions in the province, they can be reimbursed immediately after being discharged from the hospital. The urban medical insurance is convenient in various areas, such as Zhengzhou's urban medical insurance, which can be reimbursed at any time when you see a doctor in a hospital under the jurisdiction of Zhengzhou. If you want to see a doctor across regions, you need to go to the medical insurance department for the record first, and then reimburse after paying for it.

The reimbursement ratio is also different for different areas where NCMS is used. If it is in a township hospital**, the reimbursement rate of NCMS is higher; If you are in a hospital above the municipal hospital, the reimbursement rate of flexible employment medical insurance is higher. Moreover, there is a personal account for flexible employment medical insurance, and the money in the personal account can be used to buy relevant medicine bottles or medical equipment at designated pharmacies.

After 25 years of cumulative payment, you can also enjoy medical insurance benefits for life, and in general, it is recommended to pay flexible employment medical insurance.

2. What are the differences?

The scope of use is different:

Flexible employment medical insurance: can be used for **, medical treatment, pharmacy medicine, hospitalization** reimbursement, etc.

At present, NCMS can only be reimbursed for hospitalization in many cities, and a small number of cities can also be reimbursed for medical treatment.

The reimbursement ratio is different: the reimbursement ratio of medical insurance for flexible employment is generally 70%-90%, and the reimbursement ratio for new agricultural contracts is 50%-70% (according to different regions, the reimbursement ratio is usually higher at the county level than at the township level).

Reimbursement criteria are different:

When the cost of our treatment does not exceed four or five thousand, the NCMS in many areas can be directly reimbursed, but the starting line of flexible employment medical insurance will be higher than that of NCMS, and the payment standard will be higher but the reimbursement amount will be higher.

Note: In recent years, due to the adjustment of national policies, the medical insurance for urban residents and the New Rural Cooperative Medical System have been merged into the medical insurance for urban and rural residents. In most areas, medical insurance for urban and rural residents can be paid directly.

If you only look at the amount of payment, the new agricultural system is 320 yuan per person, but if you want to pay three insurances in the name of one person, then it will cost nearly 1,000 yuan a month, and how can one person have more than 10,000 yuan a year, from this point of view, the new agricultural cooperative system is cost-effective. From the perspective of age, the NCMS targets a wider user base, and social security cannot be paid to children, so more people are more inclined to use NCMS for the elderly and children. Of course, it is more involved in the reimbursement ratio of NCMS and social security for medicine and hospitalization.

Social security is divided into personal accounts and pooled accounts, so part of the money from the monthly payment of social security will also be transferred into the personal account, which can be used to buy medicines and even use as their own savings. NCMS is different, it only has a co-ordinated account, and the reimbursement ratio of medicine is also uniform every year, regardless of whether it has been reimbursed with NCMS this year, it will be automatically cleaned up in the second year. As for reimbursement, social security will cover more items, so sometimes it seems that the overall reimbursement amount will be more than that of NCMS.

Is it better for individuals to pay medical insurance or NCMS? If you pay medical insurance, it is better to pay for agricultural cooperative medical insurance. Because there is not much money every year, it takes more than 300 to pay for the agricultural cooperative system. And hospitalization can also be reimbursed. If you pay medical insurance, it will cost thousands of dollars a year.

If the economic conditions allow, of course, it is better to pay the medical insurance, and the reimbursement ratio of the NCMS is not comparable with the medical insurance.

Or choose medical insurance with better insurance benefits. Dress upMedical insurance refers to social medical insurance. It is the state and society in accordance with laws and regulations.

A social insurance system for basic medical needs in the event of an illness.

On January 12, 2016, the "On the Integration of Basic Medical Insurance for Urban and Rural Residents" was issued.

Opinions on the System" requires that medical insurance for urban residents and the New Rural Cooperative Medical System be promoted.

System integration, and gradually establish a unified medical insurance system for urban and rural residents nationwide.

On December 20, 2016, the Ministry of Human Resources and Social Security held a national network of basic medical insurance and direct settlement of medical treatment in other places, and with 22 applications in Beijing and other 22 applications for the first batch of basic medical insurance national network index and direct settlement of cross-provincial and remote medical treatment.

The provinces have signed a letter of responsibility, marking the official transfer of the direct settlement of medical treatment across provinces and places into the implementation stage.

In June 2021, the statistical bulletin showed that the number of people enrolled in the national basic medical insurance in 2020 was 136131 million, and the participation rate was stable at more than 95%.

It is better to pay for medical insurance if you pay it individually, and medical insurance refers to the social insurance system for the basic medical needs of workers when they are sick according to the law and society.

If the individual pays the insurance, if it is a rural household registration, it will be paid to the New Rural Cooperative Medical System. If it is an urban hukou, it will pay the medical insurance for urban residents. This is stipulated by the state.

NCMS. Compared with medical insurance, the reimbursement scope and proportion of medical insurance are a little better than those of NCMS, but the two are oriented to different objects, the payment fee of NCMS is lower, and the payment fee of medical insurance is higher than that of NCMS, and urban household registration is required. If the peasants do not have jobs in the cities, they have no choice but to choose the NCMS.

If you have a job, it is recommended to take out health insurance.

Extended information: 1. New rural cooperative medical care.

The system (hereinafter referred to as "NCMS") refers to the mutual medical aid system for farmers that is organized, guided and supported, with voluntary participation of farmers, individual, collective and multi-party fund-raising, and focusing on the overall planning of serious diseases. It raises funds through individual payments, collective support, and subsidies.

2. In October 2002, China made it clear that all levels should actively guide farmers to establish a new type of rural cooperative medical system focusing on the overall planning of serious diseases. In 2009, China made a deepening of the reform of the medical and health system.

The important strategic deployment has established the status of new agricultural cooperation as a basic medical security system in rural areas. On January 29, 2015, the National Health and Family Planning Commission and the Ministry of Finance.

Issued a notice on doing a good job in the new rural cooperative medical work in 2015, proposing that the per capita subsidy standard for the new rural cooperative medical care at all levels should be increased by 60 yuan to 380 yuan on the basis of 2014. Social insurance.

The most basic and important point is that it does not emphasize the equality of individual costs and benefits, but the social satisfaction of insurance benefits.

3. As a kind of social insurance, the satisfaction of farmers and taxpayers with the subsidy plays an important role in the success of the new rural cooperative medical system. In the survey, it was found that some farmers did not participate in the NCMS, mainly because of the low level of NCMS protection, the farmers' lack of understanding, and the fear of policy changes, believing that they had taken their own insurance money to compensate for the consideration of others. The main reasons for the dissatisfaction of farmers participating in the new rural cooperative medical care are the low level of security and the cumbersome procedures for participating in and handling reimbursements.

Fourth, many people work or do business outside of NCMS. Many of them do not have health insurance in the city.

Therefore, the only way to cooperate with medical care is in the place where the hukou is located.

Participate in the new type of rural cooperative medical care. As for reimbursement, most of the insurance expenses are outpatient expenses, which cannot be reimbursed in the place of residence, nor can the household registration be reimbursed. Even if you are hospitalized, the reimbursement to the area of residence depends on the amount.

If it's not too big, the cost of getting back to the account is too high. Therefore, the solution is to solve the payment channel as soon as possible, realize the settlement in different places as soon as possible, facilitate the settlement, and realize the national card as soon as possible to facilitate payment and reimbursement. Not only cooperative medical management institutions can be reimbursed, but also designated hospitals and pharmacies can also be reimbursed on the spot.

Medicare could be a little better.

NCMS. Both medical insurance and medical insurance can be reimbursed, but the difference between the two is very large.

NCMS is a rural household registration in rural areas.

Only then can you participate in NCMS, pay the fee in the current year, and pay again in the following year to enjoy NCMS.

And social security is the so-called five insurances.

That is, endowment insurance.

Unemployment insurance, work-related injury insurance, medical insurance, maternity insurance.

NCMS and social security cannot coexist, but can be converted into each other.

Extended Information: Difference between Medical Insurance and NCMS:

1. The objects covered are different.

Employee medical insurance is owned by all employers in urban areas, including enterprises (state-owned enterprises, collective enterprises.

Foreign-invested enterprises, private enterprises, etc.), government agencies, public institutions, social organizations, and private non-enterprise units.

and its employees, all of whom must participate.

Whether township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance.

It shall be decided by the people of all provinces, autonomous regions, and municipalities directly under the Central Government. NCMS can only be applied if you have a rural household registration.

2. The payment subject is different.

Employee medical insurance refers to the mandatory provision of the state through legislation that employers and individual members of society jointly pay medical insurance premiums and establish medical insurance**.

A new type of rural cooperative medical care.

The system is a system of mutual medical assistance and mutual aid for farmers based on the overall planning of serious diseases, which is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties.

3. Different payment methods.

Medical insurance is mandatory, which is jointly paid by the unit and the employee, and needs to be paid for a certain number of years.

The new type of rural cooperative medical care is voluntary for farmers to participate, and must be participated by the whole family as a unit, and it is necessary to go through the insurance payment procedures every year.

4. The payment standard is different.

The payment of basic medical insurance for employees is related to personal wages, in accordance with the relevant provisions of the proportion of the standard payment, divided into several levels to choose, the general unit bears 8%, the individual bears 2%. The payment standard of employee medical insurance is much higher than that of NCMS.

The payment standard of the new rural cooperative medical care is 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan per year, each place sets the payment grade according to its own situation, different provinces and cities, because of the different economic levels, the payment standards are different, the specific amount can call the local social security bureau **12333 for free consultation. Xiaobao: The payment for NCMS here this year is 150 yuan.

5. The reimbursement ratio is different.

The basic medical insurance for employees has a personal account, and there will be expenses on a regular basis, with a higher reimbursement ratio, a minimum payment standard, a higher limit, and no upper limit on medical expenses. Employees who are insured in the basic medical insurance can enjoy it for life after completing the payment period.

The new type of rural cooperative medical care does not have a personal account, and the reimbursement ratio is lower than that of the basic medical insurance for employees, the limit is lower, and it is a reimbursement that is enjoyed by participating in the current year.

6. The reimbursement scope is different, and the reimbursement ratio of NCMS in rural township hospitals is higher, and the reimbursement ratio to hospitals above the municipal level is less than that of social security, but both of them decrease with the increase of the level of hospitals.

Hello dear, it's good to pay medical insurance. It depends on the individual situation, but it may be better to pay for health insurance. Both NCMS and medical insurance can be reimbursed for medical treatment, but the difference between the two is still relatively large.

NCMS is in rural areas where you must have a rural hukou to participate in NCMS, pay the fee in the current year, and pay the money again in the following year to enjoy NCMS. The social security is the so-called five insurances, namely endowment insurance, unemployment insurance, work-related injury insurance, medical insurance, and maternity insurance. NCMS and social security cannot coexist, but can be converted into each other.

Hope it helps you and in the meantime I wish you a great day.