Cooperative medical care or student medical insurance, which reimbursement is cost effective?

Cooperative medical care. At present, it is 320 yuan, and students buy student medical care for less than 200 yuan every year.

It's all the same. Student insurance also depends on whether you have medical insurance, if you have medical insurance, the reimbursement ratio is relatively high, if there is no medical insurance, the reimbursement ratio is low. Combined therapy is only the foundation, and commercial insurance is a supplement.

If the student medical insurance does not have cooperative medical treatment, it can only be discounted in stages, so it is more cost-effective to reimburse the remaining amount through the student medical insurance after the cooperative medical reimbursement must be provided.

If you want to say which is cost-effective, of course, it is the student's medical insurance, which is relatively high in reimbursement ratio and pays less premiums.

Personally, I think that for students, relatively speaking, the medical insurance for medical students must be more cost-effective than that cooperative medical care.

Cooperative medical care and student insurance which reimbursement accounting is normally the same, well, if it is a student, it is still student medical insurance.

Cooperative medical care or student medical insurance, which reimbursement is cost-effective? I feel that the reimbursement ratio of cooperative medical care and student medical insurance is similar, but students can pay supplementary medical insurance at school.

In this case, it depends on our local reimbursement ratio and the hospital we go to, which is usually a student, so the medical insurance will be more favorable.

Two of the same level have the same scope and amount of reimbursement.

Summary. Hello, dear <>

Different insured groups are different. Student medical insurance is mainly for college students, college and secondary schools, primary and secondary school students, and young children; Rural cooperative medical care is for all farmers. The basic medical insurance premium for primary and secondary school students is composed of two parts: individual payment and ** subsidy.

The financing standard is 230 yuan per person per year, of which 200 yuan is subsidized and 30 yuan is paid by individuals; For low-income families and students with severe disabilities, the individual contribution will be fully subsidized by **. The NCMS financial departments at all levels subsidize 320 yuan per capita for NCMS and residents' medical insurance. Among them, the financial subsidy standard is 120 yuan, and the individual payment of farmers and urban residents is about 90 yuan per person per year.

Reimbursement method: After the case is closed, the student medical insurance company will transfer the compensation to the school's account, and the Finance Office will issue a notice on the publicity board next to the school's mailroom. After being discharged from the hospital, the hospitalization invoice, discharge record, expense list, referral certificate and copy of ID card or household registration certificate signed or stamped by the patient shall be paid to the township joint management office, and after review, it will be sent to the Municipal Agricultural Insurance Business Management Center for reimbursement. Thank you for your inquiry, I am glad to answer for you, I hope it can help you, I wish you a happy mood and good health!

Is rural cooperative health care the same as student health insurance?

Hello, dear <>

Different insured groups are different. Student medical insurance is mainly for college students, college and secondary schools, primary and secondary school students, and young children; Rural cooperative medical care is for all farmers. The basic medical insurance premium for primary and secondary school students is composed of two parts: individual payment and ** subsidy.

The financing standard is 230 yuan per person per year, of which 200 yuan is subsidized and 30 yuan is paid by individuals; For low-income families and students with severe disabilities, the individual contribution will be fully subsidized by **. The NCMS financial departments at all levels subsidize 320 yuan per capita for NCMS and residents' medical insurance. Among them, the financial subsidy standard is 120 yuan, and the individual payment of farmers and urban residents is about 90 yuan per person per year.

Reimbursement method: After the case is closed, the student medical insurance company will transfer the compensation to the school's account, and the Finance Office will issue a notice on the publicity board next to the school's mailroom. After being discharged from the hospital, the hospitalization invoice, discharge record, expense list, referral certificate and copy of ID card or household registration certificate signed or stamped by the patient shall be paid to the township joint management office, and after review, it will be sent to the Municipal Agricultural Insurance Business Management Center for reimbursement. Thank you for your inquiry, I am glad to answer for you, I hope it can help you, I wish you a happy mood and good health!

What does student health insurance mean.

Hello, dear <>

As the name suggests, it is a medical insurance service tailored to students. Medical insurance for college and secondary schools, primary and secondary school students, and medical insurance for young children through the school, thank you for your consultation, I am very happy to answer for you, I hope to help you, I wish you a happy mood and good health!

Whether the insurance paid by the school is the same as the cooperative medical care needs to be analyzed on a case-by-case basis. Generally speaking, cooperative medical care does not support remote medical care, so it is necessary to obtain the approval of the cooperative medical management agency before seeking medical treatment. For reimbursement of cooperative medical insurance, it is necessary to report to the medical insurance settlement window of the local cooperative medical management agency or designated medical institution for reimbursement per mu.

The formalities include: the identity card of the applicant.

Medical insurance card, original invoice, medication list, medical records.

These other materials. And the school pays the student level insurance.

It is possible to support out-of-town medical reimbursement.

The reimbursement of cooperative medical insurance is carried out on a pro-rata basis, generally fluctuating around 20-85%. The proportion of reimbursement and the amount of reimbursement are related to one's own examination and medication, medical level and other factors.

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Legal analysis: can not be reimbursed at the same time, but can be supplemented for reimbursement, who reimburses the reimbursement of rural cooperative medical care usually reimburses the rural cooperative medical care first, because the rural cooperative medical reimbursement requires the original invoice and other originals, and then leave a copy to the commercial insurance reimbursement, but in the rural cooperative medical reimbursement to stamp the copy "original has been received" words, there is also a payment voucher that the rural cooperative medical care has been reimbursed.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 30 The following medical expenses are not included in the scope of payment of basic medical insurance**

1) It should be paid out of work-related injury insurance**;

2) It shall be borne by a third party;

3) It should be borne by public health;

4) Seeking medical treatment outside the country.

Medical expenses shall be borne by the third person in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Legal Analysis:135% of the medical expenses are less than 1,000 yuan;

2.45% of the medical expenses are more than 1,000 yuan (including 1,000 yuan) and less than 5,000 yuan;

Legal basis: Social Insurance Law of the People's Republic of China

Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 26 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 the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.