Can I still reimburse NCMS for the second reimbursement if I have commercial insurance? On what basi

Business Insurance. There is no conflict with NCMS, even if it has been reimbursed by commercial insurance, it can be reimbursed by NCMS.

However, the total cost of reimbursement cannot be higher than the cost of medical visits. This is possible because commercial insurance is a supplement to the basic medical security system. Commercial insurance is purchased by individuals in private companies, and NCMS is state, and everyone can buy one or both, which is not mandatory.

Although some farmers are relatively poor, there are also some farmers who are very wealthy, and they may have earned a lot of money in the city, such as going out to work or growing vegetables in the big city, and their wealth is relatively rich. When you are old, you will return to your hometown to care for the elderly, and at this time, you can buy NCMS, and you can also get a relatively large amount of reimbursement when you go to most hospitals. They may also feel that NCMS cannot be reimbursed for some special medicines, so they will buy a supplementary insurance, which is what we know about commercial medical insurance.

Let's say you have cancer.

They will take some imported drugs, and there is no way to reimburse the basic NCMS, such as commercial serious illness medical insurance.

can be reimbursed.

When it comes to reimbursement, farmers can be reimbursed either by commercial insurance or by NCMS. However, you must remember to say at the beginning that the total cost cannot exceed the money you spent, so you must give some evidence when reimbursing, such as the receipt of the payment and the voucher of the first reimbursement. If you conceal it, you are violating the relevant laws and regulations, and there may be a suspicion of insurance fraud, which is very bad.

People must remember that insurance is for reimbursement of expenses, not for you to earn money, you can be reimbursed if you spend money, and you cannot deceive the state or the company that sells commercial insurance. And you don't get sick just once, and if you do it all the time, you will make a mistake one day.

Of course, secondary reimbursement can be made, and the reimbursement of commercial insurance and NCMS is completely non-conflicting. The basis is that commercial insurance is a kind of insurance purchased by yourself, which is not within the scope of reimbursement by NCMS, and the more types of insurance you buy, the higher the proportion of reimbursement you will reimburse, and the more compensation you will receive.

It can be reimbursed, these two types of insurance do not conflict, you can enjoy double protection, NCMS is the basic medical security system, and commercial insurance is your own insurance.

It can be reimbursed, because according to the provisions of the Commercial Insurance Law, the Commercial Insurance Law and the Farmers' Medical Insurance are not in conflict, and the two can be reimbursed at the same time or sequentially.

Business Insurance. and NCMS can be reimbursed at the same time.

NCMS and commercial medical insurance reimbursement are not in conflict. 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 agency and the medical institution and the drug business unit. Social insurance administrative departments and health administrative departments.

Remote medical treatment should be established.

The medical expense settlement system is convenient for the insured to enjoy the basic medical insurance treatment. Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by specialized insurance companies.

The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

Those who have commercial insurance can go for the second reimbursement of NCMS. Because the two are not in conflict, they are both bought by themselves, and of course they can enjoy double protection services. When you are sick and hospitalized, you should first apply for reimbursement for NCMS, and then submit the relevant certificates to the commercial insurance company, so that you can get a second reimbursement and spend less money.

NCMS is a basic medical insurance system and a preferential measure for farmers. Because farmers are more afraid of spending money on medical treatment, they can be reimbursed more money through the NCMS. Some farmers are relatively wealthy, or their children may be worried that their old parents are seriously ill, so they will buy commercial medical insurance for their old parents.

In this way, it can play a more protective role, among which NCMS is a basic medical security system, and commercial insurance is a supplement, so both can be reimbursed at the same time. At the time of reimbursement, you can do the math to see which one is more cost-effective to reimburse first. If it is more cost-effective to reimburse commercial medical insurance first, you can do so by submitting your hospitalization certificate to the commercial medical insurance company first.

After that, the reimbursement of NCMS will be carried out, but the sum of the two cannot be greater than the total amount of medical expenses. For example, if you spend 100,000 yuan on hospitalization, of which 30,000 yuan is reported by NCMS, the money for the live broadcast of commercial medical insurance cannot exceed 70,000 yuan.

It is actually better to purchase supplementary medical insurance, because NCMS is only a basic reimbursement, and some special drugs cannot be reimbursed. Although commercial insurance is more expensive, the final reimbursement is very large, and some commercial insurance can also be reimbursed when buying drugs, not just hospitalization. When applying for NCMS reimbursement, you can also provide a list of expenses from the commercial insurance company and supporting documents for reimbursement.

This will not be unaware of both parties and will make your reimbursement reasonable and legitimate.

In addition to the above two types of medical insurance, there are actually some serious illness medical insurance or other types of insurance.

It is not reimbursable, only one can be reimbursed. Because this is considered a duplicate enrollment. Otherwise, you will get rid of the commercial insurance. Otherwise, it won't be reimbursed.

Even if there is commercial insurance, then it is impossible to reimburse NCMS for the second time, because he can only reimburse this thing once.

As long as there is no conflict between the insurances, then you can be reimbursed, and the more insurance you buy, then the most protection for you.

What are the conditions for the second reimbursement of critical illness insurance?

The first condition is to participate in NCMS and critical illness insurance, and the second condition is that after the reimbursement of NCMS, if the accumulated medical expenses in a natural year exceed the threshold standard for serious illness set by the region, you can apply for the second reimbursement of critical illness insurance.

Critical illness insurance does not mean that only critical illnesses can be reimbursed twice, as long as the cumulative medical expenses in one year exceed the threshold standard, you can apply for a second reimbursement. The exact reimbursement rate varies from region to region.

The threshold for the second reimbursement of critical illness insurance in Anhui Province is 10,000 yuan. The part of 10,000 yuan that exceeds the threshold standard will be reimbursed at 60%, 5-100,000 yuan will be reimbursed at 65%, 10-200,000 yuan will be reimbursed at 75%, and more than 200,000 yuan will be reimbursed at 80%.

To sum up, critical illness insurance is the medical assistance policy of our farmers, and compared with any commercial insurance on the market, critical illness insurance is the most suitable and cost-effective. If farmers miss the time for the collection of NCMS, they will not enjoy these benefits in 2020, which is really a great loss.

The regulations are different in different places, and some have already achieved one-time reimbursement in hospitals, and there is no secondary reimbursement.

Legal Analysis: Yes, NCMS and commercial medical insurance reimbursement are not in conflict.

Legal basis: Article 29 of the Social Insurance Law of the People's Republic of China 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 agency and the medical institution and the drug business unit. 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.