Is there a conflict between NCMS and commercial insurance reimbursement?

When purchasing insurance, you can choose commercial insurance, medical insurance and new rural cooperative medical insurance, if you buy commercial insurance and rural cooperative medical insurance, will there be a conflict when you see a doctor?

1. Is there a conflict between commercial insurance and NCMS reimbursement?

No conflict. In the event of an illness, they can enjoy double protection at the same time.

The principle of reimbursement and compensation for those who participate in NCMS and purchase commercial medical insurance is that NCMS is the basic medical security system for farmers, and commercial medical insurance is a supplement to the basic medical security system, so there is no conflict between participating in NCMS and purchasing commercial medical insurance.

If the participating farmers have purchased commercial medical insurance at the same time, they can handle the reimbursement claim in either party first.

If the compensation is made in commercial insurance first, the reimbursement compensation of NCMS shall be calculated according to the total amount of hospitalization expenses minus self-financed drugs and self-paid diagnosis and treatment items, but the sum of the reimbursement compensation amount of NCMS and the amount of commercial insurance claims shall not be greater than the total amount of medical expenses billed.

2. The following points should be paid attention to when going through the compensation procedures for NCMS.

1. Specific documents such as the claim form and a copy of the expense list stamped with the insurance company's seal must be provided to the handling agency.

2. And the amount of compensation shall not exceed the amount of medical expenses;

3. Once fraud is found, the handling agency will recover the funds and impose corresponding penalties, and if the circumstances are serious, they will be transferred to the judicial authorities for processing.

According to the above content, it can be concluded that if you have purchased commercial insurance and new rural cooperative medical insurance, there will be no conflict when you see a doctor, you can enjoy double protection at the same time, and you can also be compensated by commercial insurance when you use the new rural cooperative medical care for reimbursement.

Friends with household registration in rural areas have basically participated in NCMS, and those who are more risk-conscious also want to allocate a commercial insurance for themselves and their families, so is there any conflict between NCMS and commercial insurance reimbursement?

Is there any conflict between NCMS and commercial insurance?

1.Compensatory illness insurance: Generally, the NCMS is reimbursed first, and the remaining part is reimbursed by commercial insurance, and the medical expenses that have been reimbursed by NCMS cannot be reimbursed repeatedly, but there is no conflict, and the two are complementary.

2.Subsidized illness insurance: Hospitalization allowance is usually paid according to the number of days of hospitalization and surgical items, and is not reimbursed according to medical expenses, which does not conflict with the reimbursement of NCMS.

3.Benefit-based illness insurance: If a major illness is generally diagnosed within the scope of protection, the insurance benefit will be paid in a lump sum, and the reimbursement will not be based on medical expenses, which does not conflict with the reimbursement of NCMS.

In summary, commercial insurance that can protect diseases can be divided into compensation, allowance and payment according to the payment method. Among them, the compensatory illness insurance and the NCMS are complementary, the subsidy type illness insurance and the benefit-type illness insurance are not reimbursed according to the medical expenses, and the reimbursement of the three types of commercial insurance does not conflict with the NCMS.

There is no conflict between NCMS and commercial insurance reimbursement, but there will be no duplicate reimbursement.

In rural areas, nearly 100 percent of the people participate in NCMS, and very few do not, but there are also a small number of people who have taken out additional commercial insurance.

If 60 is reimbursed, then the remaining 40 can be reimbursed in commercial insurance according to the relevant proportion, and it is impossible to get double reimbursement.

Hello, I personally think that there is no conflict, commercial insurance is a commercial behavior, individuals spend money to buy, anyone can buy it, and NCMS has nothing to do with it, and it is not in conflict. Thank you.

No conflict. NCMS is a type of social security, and the insured population is the non-urban population.

When reimbursing commercial medical insurance, the part of social security reimbursement must be subtracted first, that is, the reimbursement of NCMS should be subtracted, and then the deductible should be subtracted, and the remaining part will be reimbursed.

There is no conflict between NCMS medical insurance and commercial insurance reimbursement. General commercial insurance reimbursement needs to be reimbursed first by NCMS insurance, and then the remaining part will be reimbursed according to the proportion. Moreover, if a person who buys commercial insurance buys NCMS medical insurance, the premium of commercial insurance will be lower than that of those who do not have NCMS medical insurance.

There is no conflict between NCMS and commercial insurance reimbursement, NCMS is a kind of medical insurance, and the commercial insurance department needs to purchase from major insurance institutions, so when reimbursing, their reimbursement platforms and reimbursement ratios are also different, so there is no conflict between NCMS and commercial insurance reimbursement.

There is no conflict between NCMS and commercial insurance reimbursement. There is no conflict between the social insurance benefits enjoyed by NCMS, while the commercial insurance is reimbursed for the remaining unreimbursed part after NCMS reimbursement.

There is no conflict between NCMS and commercial insurance reimbursement, and all expenses after NCMS reimbursement of compliance expenses are supplemented by commercial insurance, so the two are constantly complementary to each other and there is no conflict.

There is no conflict between NCMS and commercial insurance reimbursement, and the remainder is paid by commercial insurance after NCMS reimbursement.

Therefore, commercial insurance is a supplement to the NCMS medical insurance, which allows the policyholder to spend less money to pay for medical expenses, and if conditions permit, both can be insured.

In principle, there is no conflict between the reimbursement of NCMS and the reimbursement of commercial reimbursement.

The reimbursement of medical expenses by NCMS (medical insurance) is proportional to the actual expenses incurred; Commercial medical insurance, on the other hand, is paid in a lump sum according to the type of disease.

Take the voucher after the settlement of the medical insurance card to the commercial insurance company to reimburse the medical expenses, just don't make a mistake in this order.

Remember, reimburse NCMS first, and then reimburse commercial insurance.

There are no conflicts. NCMS is to reimburse and settle the medical expenses within the coverage, while commercial insurance is to settle the out-of-pocket part.

There is no conflict between NCMS and commercial insurance reimbursement, if you are really sick, then you can use commercial insurance for reimbursement after NCMS reimbursement.

There is no conflict, NCMS is a kind of welfare given by the state, but commercial insurance is different, commercial insurance is your own participation in a certain type of insurance of the insurance company, and also pay the corresponding fees, so commercial insurance, is to reimburse you for the cost of medicine according to their insurance regulations, NCMS is according to the national table, to reimburse you for medical expenses, so they do not conflict.

There is no conflict between NCMS and commercial insurance reimbursement, because they belong to two different institutions, and when there is a need for reimbursement, the reimbursement unit will reimburse separately according to the proportion, and will not be disturbed and affected.

There is no conflict, and the rest of the reimbursement after NCMS reimbursement can be applied for commercial insurance, but the reimbursement cannot exceed the money spent.

There is no conflict between the reimbursement of NCMS and commercial insurance. Commercial insurance is reimbursed after NCMS reimbursement. Because the reimbursement rate of NCMS is more than 70%. If the commercial insurance is reimbursed, it will not cost you much.

There are no conflicts. There is a starting line for commercial insurance reimbursement, and the minimum payment line for commercial reimbursement can be reimbursed for a second time after the reimbursement of NCMS.

There is no conflict in the reimbursement of NCMS commercial insurance, and you can report to NCMS first and then to commercial insurance. It can give good protection to the policyholder.

There is no conflict between NCMS and commercial insurance reimbursement, and there is no conflict between commercial insurance reimbursement and general insurance.

Is there a conflict between NCMS and commercial insurance reimbursement? This one is certainly not in conflict. NCMS is a medical insurance for social security, while commercial insurance is a commercial insurance, and there is no conflict between the two.

There is no conflict between NCMS and commercial insurance reimbursement, and there is a starting line for commercial insurance reimbursement, and the minimum payment line for commercial reimbursement can be reimbursed for a second time after NCMS reimbursement.

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.

Can be reimbursed, any commercial insurance.

will not affect NCMS.

reimbursement. Regardless of whether it is before or after commercial insurance, as long as the medical expenses incurred by the insured are within the scope of medical insurance reimbursement, the medical insurance department can reimburse them, and there is no conflict between the two.

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

Article 21 New type of rural social endowment insurance.

The benefits consist of a basic pension and a personal account pension.

Residents of Nonglanye Village who participate in the new rural social endowment insurance and meet the conditions stipulated by the state shall receive the benefits of the new rural social endowment insurance on a monthly basis.

Further information: Commercial insurance can be roughly divided into: property insurance, life insurance.

Liability insurance, credit insurance, allowance insurance, marine insurance.

The large categories are divided into categories according to the scope of insurance coverage, and the small categories are classified according to the types of insurance objects.

According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability insurance, and credit guarantee insurance.

1 Fire insurance covers the loss caused by fire to property stored on land within a certain geographical area and basically at rest, such as machinery, buildings, various raw materials or products, household utensils, etc.

2. Marine insurance is essentially a kind of transportation insurance, which is the earliest insurance in various types of insurance business, and the insurer is liable for the loss of the insurance subject matter caused by marine hazards.

3. Cargo transportation insurance is a cargo transportation insurance other than sea transportation, which mainly covers the loss of goods in the process of inland, river, coastal and air transportation.

4 All kinds of transportation insurance mainly covers the losses incurred in the process of driving and parking of various means of transportation. It mainly includes car insurance.

Aviation Insurance, Ship Insurance, Railway Vehicle Insurance.

5 Engineering Insurance.

Covers all accidental losses and third party bodily injury and property damage during various projects.

6. Post-disaster loss of benefit insurance refers to the insurance in which the insurer bears the insurance liability for various intangible loss of benefits that may arise after the property suffers from an insured accident.

7. Theft insurance covers the loss of property caused by robbery or theft by thieves.

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

Generally, the reimbursement process of NCMS is mainly as follows:

The process of outpatient reimbursement is: after the patients who have participated in the NCMS go to the relevant designated outpatient clinics with the cooperative medical certificate or medical card, the doctor can fill in the medical records on the cooperative medical card, and the insured patients fill in the registration form and outpatient reimbursement summary form when they visit the outpatient clinic.

The reimbursement process for hospitalization is as follows: the patient is admitted to the hospital (Tibuq for cooperative medical certificate and ID card) and seen a doctor (the staff of the NCMS Office checks the cooperative medical certificate and ID card) and is discharged from the hospital to receive compensation.

And the commercial medical insurance reimbursement process is:

1. People with additional supplementary expense reimbursement insurance.

According to the principle that social insurance takes precedence over commercial insurance, the insurance company will pay for the remaining part of the medical expenses after the social medical insurance is paid.

The insurance company will first determine the items that can be paid according to the terms of the insurance (generally the same as the scope of social insurance claims), and then deduct the amount of social insurance compensation to obtain the actual amount of compensation.

2. People who are additionally supplemented with critical illness insurance and subsidized insurance.

Commercial critical illness insurance is generally paid upon diagnosis. The insured can obtain the insurance amount at one time with the diagnosis certificate issued by the hospital, which ensures that there are sufficient funds in the first time, so that the follow-up can be carried out smoothly.

The reimbursement of the subsidized insurance is to provide proof of the occurrence of surgery or hospitalization (specific product regulations), and receive insurance benefits from the insurance company as compensation for lost work expenses or nutrition expenses.

Summary. Hello, this should first go to the New Rural Cooperative Cooperative Insurance. After being discharged from the hospital, you must first report to NCMS, because what NCMS requires must be the original hospitalization receipt (invoice), and photocopying is not allowed.

After the reimbursement is completed, you will be given a copy of the receipt with the words "the original copy is retained in my unit", and the official seal of the NCMS unit will be stamped on the copy.

After applying for NCMS, you can take a copy of the receipt and other procedures required by commercial insurance to reimburse the remaining part of NCMS.

Which one should be reported first when reimbursing commercial insurance and NCMS?

Hello, this should first go to the New Rural Cooperative Cooperative Insurance. After being discharged from the hospital, Yu Kuan had to report to NCMS first, because what NCMS required was the original hospitalization receipt (invoice), and photocopying was not allowed. After the reimbursement is completed, you will be given a copy of the receipt, which reads "The original is retained in my unit", and the official seal of the NCMS unit will be stamped on the copy.

After applying for NCMS, you can take a copy of the receipt and other procedures required by commercial insurance to reimburse the remaining part of NCMS.

Oh oh, thanks.

You're welcome, dear satisfied, you can praise it.