How much does it cost to pay for rural cooperative medical insurance in 2022?

NCMS 2022.

The payment standard is 320 yuan per person per year.

This standard is clearly stipulated in the notice on the basic medical security for urban and rural residents issued by the State Administration of Taxation in 2021, pointing out that the level of medical insurance treatment for residents will continue to be improved in 2021, and the per capita financial subsidy standard will be increased by 30 yuan to reach no less than 580 yuan per person per year. However, at the same time, the individual payment standard will be increased to 320 yuan per person per year. Although the individual payment of NCMS has increased by 40 yuan, the overall compensation is also increasing, and farmers will get more benefits.

The following are the benefits that farmers can enjoy after paying the NCMS.

1.It is possible to enroll in insurance in other places.

If you are working in a foreign country, you only need to have a "residence permit."

You can participate in the local medical insurance and enjoy the same subsidy standards as local residents.

2.Optimize off-site reimbursement.

Next, the state will build a unified national medical security information platform, which will further optimize chronic diseases.

For direct reimbursement of special diseases across provinces, each county will have at least one medical institution that can directly reimburse, so that it will be more convenient for farmers to reimburse.

3.Reduce the burden on patients.

To alleviate critical illness.

The state will continue to improve the medical assistance system, fully implement medical assistance for serious diseases, and steadily expand the scope of assistance targets and improve the accessibility of the system while doing a good job in subsidizing the needy people to participate in insurance.

4.Strengthen outpatient assistance.

The first is to generally carry out outpatient chronic disease protection.

Guide all localities to include some chronic diseases with long illness periods and high medical costs and related special outpatient medical expenses into the overall payment according to the income and expenditure of medical insurance.

scope, and refer to hospitalization for management and payment.

The second is to improve and improve the overall planning of general outpatient clinics.

Medical insurance for urban and rural residents.

On the basis of the general establishment of outpatient co-ordination, the hypertension of urban and rural residents should be comprehensively established.

By the end of 2020, the medication guarantee mechanism for residents with hypertension and diabetes covered 72 million patients with "two diseases", and the reimbursement within the policy scope reached the expected target.

5.Reimbursement rates increased.

The reimbursement rate for hospitalization for serious illnesses will be increased from 60% to 70%, and this treatment will indeed reduce the burden on many farmers. Increasing the reimbursement ratio for serious illnesses can effectively alleviate the phenomenon of peasants returning to poverty due to illness.

In 2022, the NCMS payment standard is 320 per person. The payment time starts from September to the end of December, and the money paid at this time is your insurance premium for next year, and once you miss the payment, there will be no guarantee next year, so if you are a rural person or relatives and friends in the countryside, you must remind them to pay in time, and there is less than a month to the end of the year, and it will be due soon.

However, if you get sick, only NCMS is far from enough, there is an upper limit on the reimbursement ratio, if you need a good **, hospitalization, and surgery, you need to spend a lot of money, which cannot be solved by NCMS alone, or you need to configure more commercial insurance.

1. What kind of commercial insurance should parents buy?

1.Priority is given to million-dollar medical insurance: the reimbursement amount of millions a year, and the good and expensive drugs that need to be paid for by yourself can basically be 100% reimbursed. Parents in their 50s buy it, and the annual premium is more than 1,000 yuan, and we can afford it, which is very useful when you have a serious illness.

2.Secondly, consider cancer prevention medical insurance: there is no medical insurance as a million, after all, it can only protect cancer. But more than 1,000 yuan a year, if the elderly are really unfortunate enough to have cancer, the ** fee can also be reimbursed.

3.Huimin Insurance: If your parents have a physical problem, you can't buy millions of medical care and cancer prevention medical care, you can also see if there is Huimin Insurance in the local area.

Although the protection is relatively poor, it is better than nothing. If there is no local Huimin Insurance, there are also national 360 City Huibao that can be bought.

4.After buying medical insurance, remember to have another accident insurance: parents are old and prone to osteoporosis, if they accidentally fall while working in the field, or accidentally knock while walking, they can be compensated. It's only one or two hundred a year.

3.Which ones are not recommended to buy?

Critical illness insurance: Critical illness insurance for older parents is not cost-effective due to its high premium and low sum insured.

Life insurance: Life insurance is bought for the pillars of the economy. The elderly do not have such a heavy financial responsibility, so it is not recommended to buy it.

When you are old, you are most afraid of getting sick. It is not only a torture for myself, but also a test for my family. Many parents are afraid that we will be worried and uncomfortable, and they will not say anything, so we need to be our children to take care of them and solve their worries in advance.

Therefore, the sooner you plan for your parents, the better

1. Cooperative medical care 2022 fee standard.

In 2022, the fee standard for rural cooperative medical care will be different in each region, but the minimum payment standard is 320 yuan per person.

On May 27, 2021, this standard was stipulated in the latest notice on basic medical security for urban and rural residents jointly issued by the National Health Insurance Administration, the Ministry of Finance, and the State Administration of Taxation. However, it should be noted that although the cooperative medical fee standard has been increased, the same per capita financial subsidy standard for residents is also increasing, like the previous hospitalization reimbursement ratio is smaller, but after the increase the reimbursement ratio has reached 80%, hospitalization itself only needs to spend 20% of the money, reducing a lot of financial burden. In fact, according to the national policy in recent years, it is to let farmers become the biggest beneficiaries after paying for cooperative medical care.

2. What is the reimbursement ratio of cooperative medical care in 2022?

It is understood that the reimbursement ratio of the new rural cooperative medical care in each region is not uniform across the country. Because, in different regions, different levels of hospitals have different medical reimbursement ratios. The reimbursement rate for secondary hospitals is 60%.

With the increase in cooperative medical fees, the reimbursement is also increasing. Starting next year, the reimbursement ratio of all first-level hospitals will not be less than 70 percent, which is much higher than the previous 154 percent, and it will also alleviate the problem of expensive medical treatment for some peasants.

In general, the charging standard of the new rural cooperative medical care in 2022 varies from place to place, but in most areas it is 320 yuan per person, while the payment standard in Zhejiang Province is higher than that in other provinces, at 500 yuan per person.

Extended information: 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 by the first and the other, with the voluntary participation of farmers, and the financing of individuals, collectives and multiple parties. It raises funds in the form of individual payment, collective support and funding.

Guarantee. 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. This definition shows that the new rural cooperative medical system is to help farmers with medical expenses for diseases, and outpatient clinics, bruises, etc. are not covered by the insurance, and this provision makes the actual benefits of farmers not as large as expected.

Publicize. Most of the existing propaganda focuses on introducing the superficial benefits of the new rural cooperative medical care to farmers, but does not establish farmers' awareness of risks, does not reflect the key points, and does not conduct surveys on those farmers who do not participate, so that most of the propaganda stays in formality. Many farmers do not really understand the significance of the new rural cooperative medical system, and they only consider their own short-term gains and losses, because they are in good health and have a low probability of being sick and hospitalized, so there is no need to spend that unjust money.

There are also some farmers who think that it is the same as the previous compulsory education deposit, and finally was cheated away, thinking that they are taking their own insurance money to compensate others. The propaganda also did not send the specific compensation standards to the farmers, so that when they made claims, they saw that so many medical expenses could not be claimed, and some farmers felt deceived and deceived.

Hello, you can pay on WeChat, method Step 1, first, open the mobile phone WeChat, 2, click on the lower right corner of the "me", then click on "pay", 3, click on the city service 4, click on the "living payment", 5, select your city, 6, click on "social security medical insurance", 7, click on "urban and rural residents medical insurance", 8, enter the ID number, name and payment year, and finally complete the payment.

Hello, you can pay on WeChat, method Step 1, first, open the mobile phone WeChat, 2, click on the lower right corner of the "me", then click on "pay", 3, click on the city service 4, click on the "living payment", 5, select your city, 6, click on "social security medical insurance", 7, click on "urban and rural residents medical insurance", 8, enter the ID number, name and payment year, and finally complete the payment.

Hello dear! We'll be happy to answer for you. In 2024, 240 yuan will be paid for rural cooperative medical care.

The specific content is as follows: At present, some regions have announced the payment standard of NCMS in 2024, but there is no national unification of sail and wool. According to public information, the payment standards for NCMS in 2024 are as follows:

1.Rural residents pay 240 yuan per person per year, an increase of 40 yuan over the previous year. 2.

Each student and child pays 180 yuan per year, an increase of 20 yuan from the previous year. 3.Residents of other towns pay 360 yuan per person per year, an increase of 60 yuan over the previous year.

4.The elderly in urban and rural areas pay 120 yuan per person per year, an increase of 30 yuan over the previous year. However, there are some areas that have not yet announced the specific payment standards, so it is recommended that you pay attention to the notices of the local ** and relevant departments to keep abreast of the latest information.

Summary. Hello, dear, according to the news, according to the calculation of the increase every two years, the new rural cooperative cooperative system in 2024 will be about 380 yuan. In 2023, it will be increased by about 30 yuan per person, that is, to 350 yuan; Not only that, but it has also brought great benefits to farmers, such as the integration of serious illness insurance into NCMS, the increase in reimbursement ratio, and the ability of NCMS to reimburse and pay premiums in other places.

In addition, there are seven categories of people who do not need to pay fees, namely, rural families in difficulty, disabled people who have lost the ability to work, five-guarantee households, retired servicemen and other preferential care objects, the elderly, children in difficulty, and family planning preferential households.

According to the news, according to the calculation of the increase every two years, the new rural cooperative cooperative system in 2024 will be about 380 yuan. In 2023, it will increase by about 30 yuan per person, that is, it will reach 350 yuan; Not only that, but it has also brought great benefits to farmers, such as the integration of serious illness insurance into NCMS, the increase in reimbursement ratio, and the ability of NCMS to reimburse and pay premiums in other places. In addition, there are seven categories of people who do not need to pay fees, namely rural families in difficulty, disabled people who have lost the ability to work, five-guarantee households, retired soldiers and other preferential care objects, the elderly, children in difficulty, and family planning preferential households.

Legal basis: Article 24 of the Social Insurance Law of the People's Republic of China stipulates that the State shall establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Article 25 of the Law of the People's Republic of China on Social Insurance Fiction Article 25 The State shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment or combined fees and subsidies. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

In 2022, the NCMS will pay 320 yuan per person a year or 350 yuan per person per year, which shall be subject to the standards promulgated by the local **.

1. The financial subsidy standard for medical insurance for urban and rural residents will be increased by 30 yuan to no less than 580 yuan per person per year. At the same time, the individual payment standard will be increased by 30 yuan to no less than 320 yuan per person per year. In addition to clarifying the raising of medical insurance financing standards for urban and rural residents, the circular also clarifies the consolidation of medical insurance benefits for urban and rural residents, the consolidation and expansion of medical security, the successful eradication of poverty, and the effective connection with the rural revitalization strategy.

Promote the payment method of medical insurance, implement centralized procurement of drugs under normal circumstances, and strengthen the supervision of medical insurance funds. Finally, it is necessary to increase the public management services of medical insurance and strengthen the sense of service.

2. According to the new Rural Medical Insurance Regulations, the deadline for payment in 2022 is December 31, 2022, and according to the latest local policy, some areas will be postponed by one month. Residents who apply for insurance and pay premiums beyond the specified time are allowed to participate in insurance and pay premiums, but there is a waiting period of 60 days (except for family members living in extreme poverty, low-income insurance recipients, poor persons with record cards and those with special reasons). After the end of the waiting period, you can enjoy the corresponding medical insurance treatment according to the regulations, and the medical insurance** does not pay the medical expenses incurred before the payment and during the waiting period.

Extended Materials. The role of rural cooperative medical care:

1. Fee settlement is more convenient. There is no need to pay for medical expenses in advance. Prior to the merger, all inpatient medical expenses for rural residents had to be paid in advance and returned to the local area for reimbursement after discharge.

Now, however, like city dwellers, they can use a single card for medical treatment and settle hospitalization expenses in real-time.

2. It is more convenient to seek medical treatment in other places. There is no need to run back and forth. After the integration of urban and rural medical insurance and the opening of the new social security card, it is more convenient for rural residents to seek medical treatment. They don't need to run programs back and forth. They can also be reimbursed in real-time and only pay for what they bear.

3. Welfare guarantee. You can enjoy more medical resources. After the merger, there will no longer be a distinction between urban and rural areas. Farmers also have access to the same medical resources and ** as city dwellers.

At the same time, the scope of medical insurance drugs has been expanded, the list of drugs has been expanded, and in particular, the types of drugs for medical insurance for rural residents have increased significantly. For example, after the integration of urban and rural medical insurance in Shandong, Guangdong, and Ningxia, urban and rural residents have uniformly sent a list of basic medical insurance drugs, and the reimbursable drugs for farmers have been expanded from respectively to , and the number of medical insurance drugs has also increased a lot.