Is there a difference between the medical insurance paid by the employer and the rural cooperative m

It's not the same.

1. The objects covered are different.

Employee medical insurance.

It is all the employers in the town.

NCMS. Must have a rural hukou.

can be handled.

2. The payment subjects are different.

The main body of employee medical insurance is the employer and the individual members of the society.

A new type of rural cooperative medical care.

The main body of the system is the peasantry.

3. The payment method is different.

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 in, and it must be participated by the whole household as a unit.

4. Medical insurance, there is medical insurance for urban employees.

and medical insurance for urban residents.

Urban workers pay medical insurance premiums in proportion to their wages, and the standard is 10%.

Urban residents pay medical insurance fees according to a fixed standard, which is generally about 120 yuan.

Nonghe Cooperative Medical System is the abbreviation of the new type of rural cooperative medical care, and farmers also pay medical insurance fees according to a fixed fee.

Supplementary information: Rural cooperative medical care.

Multi-party financing of farmers' medical mutual aid system.

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 by the first and the other, with the voluntary participation of farmers, and the financing of individuals, collectives and multiple parties. Funds are raised by means of individual payment, collective support and funding. In October 2002, China made it clear that all levels should actively guide farmers to establish a new type of rural cooperative medical system that focuses on the overall planning of serious diseases.

In 2009, China made an important strategic plan to deepen the reform of the medical and health system, and established the status of the new rural cooperative as the basic medical security system in rural areas. On January 29, 2015, the National Health and Family Planning Commission.

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 system at all levels will be increased by 60 yuan on the basis of 2014 to 380 yuan.

The new type of rural cooperative medical care is a medical security system created by Chinese farmers 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 the return to poverty due to illness. It is used by all countries in the world, especially developing countries.

The prevailing problems provide a model that has been welcomed not only by the peasant masses at home but also internationally by the international community.

The medical insurance paid by the unit is called the employee medical insurance, and the rural cooperative medical insurance is called the urban and rural residents' medical insurance. There are still some differences between the two insurances. For example, if you pay medical insurance by your employer, you will have to return a certain amount of money to your medical insurance card every month.

Rural medical insurance, on the other hand, does not provide monthly refunds. In addition, the reimbursement ratio of medical insurance paid by units is also higher than that of rural medical insurance.

Enterprises buy employee medical insurance, and rural areas buy NCMS.

In terms of payment fees, the employee medical insurance is jointly borne by the enterprise and the employee, and the enterprise bears 2%, but the NCMS fee is completely borne by itself.

In terms of payment period, employee medical insurance needs to be paid for at least 25-30 years, and can continue to enjoy it after retirement, and cannot be discontinued. However, NCMS is paid for one year and guaranteed for one year.

For those who have an employing unit, the basic medical insurance premium in the social insurance premium paid by the unit in accordance with the agreement of the signed labor contract is divided into two parts, one is the basic medical insurance in the social insurance premium in the employment cost borne by the unit and the employee's salary, and the other is the basic medical insurance premium in the social insurance money borne by the individual for himself is withheld and paid by the unit in a separate column in the payment of wages and salaries, that is, the social insurance premium actually paid from the bank account of the unit is a sum of two. In the future, it will be covered by a larger amount than the coverage of the NCMS medical insurance, that is, once the reimbursement for medical treatment occurs, the reimbursement ratio of the social insurance for urban workers in the unit is much higher than that of the rural cooperative medical insurance system.

First of all, the basic medical insurance premiums for employees of different units are paid jointly by the employer and the employees, while the rural cooperative medical insurance is paid by the individual. The amount of contributions is different, the employee medical insurance is paid every month, while the rural cooperative medical insurance is paid once a year. The payment period is different, and the individual does not pay the medical insurance after retirement.

The rural cooperative medical insurance is paid every year. The most important thing is that the medical treatment is different, that is, the proportion of medical insurance is different, and the medical insurance for employees is more than that of rural cooperative medical insurance.

There is a difference. The medical insurance paid by the unit is the employee medical insurance, which is jointly paid by the unit and the employee on a monthly or quarterly basis according to the national standard, and the proportion of reimbursement expenses is also high; Rural cooperative medical insurance is a medical insurance for urban and rural residents, which is a one-time payment by individuals on an annual basis, with low payment and a low reimbursement ratio.

First, the insurance period is different, the employee medical insurance paid at work can enjoy lifelong medical insurance treatment after 25 years, while the NCMS medical insurance is paid once a year, and there is no guarantee if the payment is broken;

Second, the money paid is different, the medical insurance paid by employees at work is several thousand yuan per year, while the annual payment of several hundred yuan is enough for NCMS;

Third, the reimbursement ratio is different, some cities pay 95% of the medical insurance for employees, and the annual reimbursement ceiling is about 300,000, while the NCMS can only reimburse 75%, and the annual reimbursement ceiling is about 200,000. It is not that the upper limit value is different in the region, and the specific medical insurance policy shall prevail. A person does not need to pay the company's medical insurance and NCMS at the same time, because it can only be reimbursed once, and one can be paid, and the employee medical insurance is preferred.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care, the medical insurance paid by the unit is added together according to the part paid by the unit and the part paid by the unit every month, and the rural cooperative medical care is a total of several hundred yuan a year, the amount paid is different, and the reimbursement treatment is also different.

There is a difference, the medical insurance paid by the unit is paid by the individual and the unit, and the reimbursement ratio will be higher, and the rural cooperative medical care is paid once a year, the reimbursement ratio will be lower, and the reimbursement will be less.

Hello, there is a difference between the medical insurance paid by the unit and the cooperative medical care in the rural areas, because the fees paid are different.

Cooperative medical insurance is also resident medical insurance, which is paid for one year and managed for one year, with little cost and no accumulation.

The medical care of the employees of the unit is paid on a monthly basis, and the cost is more, and the cumulative calculation is accumulative, and when the retirement age is reached, in line with the local requirements, there is no need to pay the fee, and you can enjoy retirement medical care.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care, the difference is big, the unit pays more, and the hospitalization reimbursement is more, the rural cooperative medical care and the resident medical insurance are the same, called the resident medical insurance, and the less reimbursement is less, Mingping will only pay 320 yuan in 2022.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care. The medical insurance paid by the unit is called the medical insurance for urban employees, which is paid by the unit and the individual on a monthly basis according to the proportion of salary, and the premium is more. Rural cooperative medical care is called medical insurance for urban and rural residents, which is paid once a year, and the premium is between 300 yuan and 400 yuan.

Comparatively speaking, the reimbursement ratio of medical insurance for urban and rural residents is higher than that for urban employees.

There must be a difference, the medical insurance paid by the unit is more, and the medical insurance treatment is also higher, while the rural cooperative medical payment is relatively small, and the medical insurance treatment is definitely lower than that paid by the unit.

1.The insured objects are different:

Employee medical insurance is a medical insurance provided for the in-service employees of the employer, while the rural medical insurance is mainly for local villagers.

2.The payment subject is different:

Employee medical insurance is the employer and individual members of the society to pay medical insurance premiums, rural medical insurance is organized by the first organization, farmers voluntarily participate, individual, collective and multi-party financing.

3.Payment methods are different:

Medical insurance needs to be paid for a certain number of years (generally six consecutive months) before users can enjoy reimbursement treatment. The new type of rural cooperative medical care is voluntary participation of farmers, and they need to go through the insurance payment procedures every year.

4.Reimbursement rates are different:

NCMS has the highest reimbursement rate in rural township hospitals, and the reimbursement ratio in hospitals above the municipal level is relatively small compared with social security. Generally, the reimbursement ratio of employee medical insurance is highest in designated hospitals, and the reimbursement ratio of other hospitals will be reduced.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care, and the medical insurance for the employees of the unit is jointly paid by the enterprise and the individual, and the reimbursement ratio is much higher than the rural cooperative medical expenses.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care. The amount of medical insurance paid by the unit is higher than that of the rural medical insurance, and the reimbursement ratio is also higher. Rural cooperative medical insurance is obviously not as good as that paid by units.

There is no difference in essence between the medical insurance paid by the unit and the rural cooperative medical care, both are for the purpose of providing protection in case of illness, but the reimbursement ratio between the two is still very different.

Is there a difference between the medical insurance paid by the unit and the cooperative medical care in rural areas? Of course, the difference is very big, the medical insurance paid by the unit. It is the unit and you who share the responsibility for the cooperative medical care in the rural areas, and you are responsible for it, and this is the difference.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care, and the medical insurance paid much more per month than the cooperative medical care, and the reimbursement ratio is also higher than that of the cooperative medical care.

There is a big difference between the medical insurance paid by the unit and the cooperative medical insurance in the rural areas, the medical insurance paid by the unit is paid by the individual, and some of them also have a small part paid by the unit, while the rural cooperative medical care is only a part of the payment by itself, and the reimbursement ratio is also different.

Employees who have paid for 25 years and retired at retirement age do not need to pay medical insurance premiums and enjoy medical insurance treatment after retirement, and the medical insurance card is injected into the proportion every month, which can be used to buy drugs or seek medical treatment in pharmacies. The rural cooperative medical insurance premium is paid on an annual basis, and those who pay in the year of payment enjoy the treatment of the current year, and those who do not pay it cannot enjoy it.

There is a difference between the medical insurance paid by the unit and the rural cooperative medical care, and the insurance paid by our unit on the first floor is more, and the reimbursement ratio is also relatively high. His reimbursement ceiling is also relatively high.

The medical insurance paid by the unit, he is the employee medical insurance, and then reimbursement, the reimbursement ratio is generally about 90%, the rural cooperative medical insurance, his reimbursement ratio is about 60% in the city, and if he is hospitalized in the field, his reimbursement ratio is only between 30% and 35%, or even lower.

The medical insurance paid by the unit and the medical insurance paid by the rural areas are in conflict with each other, and only one of the two insurances can be selected, and the reimbursement ratio of the medical insurance paid by the unit is much higher than that of the medical insurance in the rural areas.

There is a difference in the reimbursement ratio between the employee medical insurance and the rural cooperative medical care, and there are also differences in the use restrictions.

The unit pays you the employee medical insurance, and the medical insurance paid by the rural household registration of flexible employees is called rural cooperative medical care, and the reimbursement ratio of employee medical insurance is slightly higher in terms of hospitalization verification.

Employee medical insurance and rural cooperative medical insurance are not one system. Both the level of payment and reimbursement are higher than those of the latter.

Of course, the two types of medical insurance and rural cooperative medical care paid by the unit are paid by the unit, and part of it is the expenditure borne by the unit.

The differences are as follows: 1. The new rural cooperative medical care is the purchase of rural household registration, and the purchase of resident medical insurance is the purchase of non-agricultural household registration.

2. NCMS mainly allows farmers to reimburse more in township health centers, with a low starting line, and relatively less reimbursement in urban hospitals; The starting line of domestic medical insurance is slightly higher than that of NCMS, and the reimbursement ratio in large hospitals is slightly higher, and the payment is also more.

3. The reimbursement catalogue of NCMS is less than that of urban medical insurance, and the reimbursement ratio of NCMS in township hospitals is higher, and the average reimbursement ratio in municipal hospitals is 12% lower than that of urban medical insurance, and social medical insurance 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.

Rural cooperative medical care is a medical security system created by farmers 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 the return to poverty due to illness.

The difference between agricultural insurance and medical insurance is that agricultural insurance is a kind of endowment insurance, and medical insurance is medical insurance. In addition, the main difference between the new rural insurance and social security is that the protection objects are different:

1. The full name of NCMS is "New Rural Cooperative Medical Care", which is a reimbursement procedure composed of farmers paying a small part of each person every year and the state contributing the lion's share. _

2. Social security is the abbreviation of social insurance, and social insurance is a social security system in which the state gives certain material help to workers temporarily or permanently due to old age, illness, work injury, unemployment, childbirth and death due to legislative means. Tenth, the maximum cap is also less than that of urban medical insurance. The differences between NCMS and medical insurance are as follows:

One. Only farmers can participate;

Two. Participation must be taken as a family as a whole;

Three. NCMS is a payment per year, a year-long participation, and reimbursement for participation in the current year;

Four. Due to the limited financing of NCMS, the protection is slightly lower;

Five. NCMS is a national policy, with the ultimate goal of solving the problem of "poverty due to illness and return to poverty due to illness" of participating farmers.