What are the refunds of rural medical insurance, and are there any refunds of rural medical insuranc

Social security medical care will not return the principal, and only enjoy the hospitalization reimbursement ratio. Only commercial medical care has the possibility of returning the entire principal, or a portion of the principal

"Five insurances" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Men do not have maternity insurance. The other four are social insurance.

The proportion of payment varies from place to place.

Pension insurance contribution ratio: 20% for units (all included in the overall planning**), 8% for individuals (all allocated to individual accounts).

Medical insurance contribution ratio: 12% for units and 2% for individuals

Unemployment insurance contribution ratio: 2% for units and 1% for individuals;

Work-related injury insurance contribution ratio: the unit pays for you every month, and the individual does not pay;

Proportion of maternity insurance contributions: the unit pays for you every month, and the individual does not pay;

Provident fund payment ratio: According to the actual situation of the enterprise, choose the housing provident fund payment ratio. It is legal for enterprises and individuals to pay between 5% and 20%, and when you first enter the company to sign a contract, the company will let you choose the payment ratio.

Generally speaking, the proportion of corporate and individual contributions is the same and does not exceed 12%. In addition, the proportion of individual contributions should be equal to or higher than that of enterprises.

In the following formula, the housing provident fund is calculated at a rate of 12%)

Among them, the individual is the right part, that is, 8%+2%+1%=11%, and the company is the left part, that is, 20%+12%+2%+ That is to say, the salary after deducting the four golds (three insurances + one gold) is: x= workers' wages - base * 23%; And the total amount of money paid by the company is y= worker's salary + base *

The contribution ratio of the four golds is not necessarily equal to your salary, that is to say, if the pre-tax salary is 4000, the payment base is not necessarily 4000, and it may be lower than this number.

Can it solve your problem?

Answer: Hello, yes, but the conditions must be met. Whether the medical insurance card can return the money depends on the situation, and there are the following three situations:

1. Urban and rural residents medical insurance participants If they participate in the urban and rural residents' medical insurance (including the original NCMS), the medical insurance will not return the money. Because China has gradually canceled the personal medical insurance accounts for urban and rural residents since 2019, and it has been completely canceled by the end of 2020, so now the insured who participates in the medical insurance for urban and rural residents no longer have a personal medical insurance account, so the medical insurance card will not return money. 2. If the urban employee medical insurance participant participates in the employee medical insurance, as long as the insurance is normal, then the monthly medical insurance personal account will return money, and the specific amount of money will be calculated according to the medical insurance payment base.

3. Retirees If the retiree has participated in the urban employee medical insurance before, and the payment period meets the requirements of lifelong medical insurance treatment, then the medical insurance personal account will return money every month, and the amount of money returned is usually a little higher than when he was on the job. If the retiree employee medical insurance payment period has not reached the time to go, then not only the medical insurance personal account will not return the money, and then can not enjoy the employee medical insurance treatment, can only participate in the urban and rural residents' medical insurance, pay one year of insurance. Thank you for your patience.

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The money returned by rural medical insurance is actually in the account of your small social security card.

Can I withdraw money from my health insurance card?

Under normal circumstances, it is not possible to extract normally. Because the balance of the health insurance account must be special and earmarked. The funds in the Medicare account will not expire and you will pay for Medicare, in addition to mostly using social coordination, and some of your own Medicare card accounts.

The specific criteria are regulated by each locality.

Under normal circumstances, the use of a Medicare personal account is:

1. Buy drugs at pharmacies: you can buy drugs at designated pharmacies, including health care products;

2.Hospital visits: partial reimbursement for inpatient and outpatient treatments, which you should pay through your personal payments;

3. Respected Parents: Can be associated with parents (or friends and family) when using when seeing a doctor.

As long as it is guaranteed medical insurance, it cannot be refunded as long as it is paid.

Reimbursement conditions: Article 28 of the "Social Insurance Law" stipulates that the medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

According to the basic requirements of China's basic medical insurance treatment payment, the insured person to the medical insurance institutions to reimburse their own medical expenses incurred in medical treatment, generally to meet the following conditions: the insured must go to the basic medical insurance designated medical institutions to seek medical treatment and purchase drugs, or with the designated hospital doctor issued by the doctor to the social insurance institutions to determine the designated retail pharmacy to purchase drugs.

No, you can't.

NCMS can be refunded if the payment is heavy.

Take the city of Harbin, for example.

Harbin New Rural Cooperative Medical Management Measures" has corresponding provisions on it:

Article 15 The NCMS implements a combination of individual payment, collective support, and subsidy. Rural residents shall pay the fees for their family members to participate in NCMS to the village (resident) committee or township (town) finance office at the place of household registration or habitual residence.

If the payment time needs to be adjusted, the health administrative department shall announce it to the public after being approved by the people at the same level. Financial subsidy funds, various types of funding and donation funds at all levels shall be handled in accordance with the prescribed time and procedures.

Hello, I am very happy to answer your question, the money just paid for the rural cooperative medical insurance can be refunded, and it must be refunded as soon as possible, otherwise it will enter the overall account before December 20, and you will not be able to refund.

Ask how to return and where to return.

Question: I paid it online, do I need to go to the tax bureau to handle it, can I go to the relevant certificate of the test Answer: Yes, go to the medical insurance window of the administrative service convenience center in your jurisdiction to handle it, and you don't need to go to the social security bureau.

Ask a good question, thank you.

Hello answer, of course, you can't refund, pay medical insurance, he is also a kind of insurance. Rural medical insurance is the medical insurance paid in the current year and the next year. If you don't use it for the next year, it will expire

Question: I paid the agricultural cooperative cooperative in *** tonight, which was supposed to be a high 450, but the wrong one was a low 320, can I change it?

Hello are you still there.

In general, the following documents are required.

1. ID card;

2. Household registration book or household registration certificate;

3. Application Form for Refund of Resident Social Medical Insurance.

The staggered refund process for medical insurance payment.

3.Handling: After the review is passed, the staff will enter the social security system according to the relevant information filled in, and generate the corresponding refund notice, print it and inform the insured personnel after checking that it is correct.

Ask a good question, thank you.

Kiss. Wait a minute, the cicada will sort out the answer for you.

The medical insurance paid by the rural area cannot be refunded, because it is a national network, and it is the income of the national finance and taxation, so it cannot be refunded.

Automatic surrender without payment: If the farmer does not pay the insurance by himself in the current year, then the insurance will be surrendered by default, and the cost of hospitalization in this year will not be reimbursed, and all of them need to be borne by themselves.

However, if you have employee social security, you don't need to pay NCMS, and you can't refund it after you have paid, so it's good not to pay next time.

It belongs to the medical insurance for urban residents, a kind of social medical insurance. The annual premium is 220, which can also be refunded and go to the Social Security Administration. How much can I get back?

Is there any other social medical insurance after retirement? There are three forms of social medical insurance, employee medical insurance, urban residents' medical insurance, and medical insurance for flexible employees. Which one do you have?

If you don't even have the most basic social medical insurance, who will reimburse the medical expenses?

Without social medical insurance as the foundation, other commercial insurance can not play the greatest role, on the contrary, it will be greatly discounted, even if a lot of premiums are spent, you may have to bear a considerable part of the medical expenses and income loss.

In any case, there must be social health insurance in the first place.

As long as it is a guaranteed medical insurance, as long as it is paid, it cannot be refunded, which is not something you are playing.

For example, I have bought rural medical insurance this year, and now I want to buy urban and urban medical insurance, can I return the rural medical insurance?

<> ask questions. Rural cooperative medical care is in my hometown, but I haven't seen it once, can I return?

Cooperative medical care is different.

Rural cooperative medical insurance, which is purchased in the current year, takes effect in the following year to enjoy reimbursement treatment, and is valid for one year.

For medical reimbursement.

<> ask questions. Didn't go to the hospital once, the same handover, did not return the proportion.

Rural cooperative medical insurance [1] is a medical security system created by farmers (agricultural household registration) in China, which plays an important role in ensuring farmers' access to basic health services, alleviating the chain of poverty caused by illness and returning to poverty due to illness.

This is to prevent getting sick later, and being hospitalized. for reimbursement.

Not for cashback.

For example, if you suddenly fall ill and spend 50,000 yuan on hospitalization, this can only be reimbursed by more than half.

<> ask questions. It is a year to manage the year, yes, this year will be handed over next year, and next year will be handed over the year after next.

This one is safe to buy for accidents and safety. You have to buy it, not return it.

Do you understand that?

<> ask questions. So there is no illness within a year, and likewise no proportion returns.

That's right, this is for medical insurance.

It's only about 300 a year, which is actually not high. <> ask questions. Oh.

Please ask which of the rural areas have returned?

Rural social security.

Summary. Hello, in fact, not all medical insurance is returned in the personal account, and there is a relationship between the return rate and age, and there are also differences in the same place, and the money returned is normally not withdrawable. Because the balance in the medical insurance account must be earmarked.

The money in the medical insurance account will not expire, and in addition to most of the medical insurance you pay each month, in addition to the social pooling, a part will be remitted to your own medical insurance card account.

Hello, in fact, not all medical insurance is returned in the personal account, and there is a relationship between the return rate and age, and there are also differences in the same place, and the money returned is normally not withdrawable. Because the balance of the medical insurance account must be earmarked. The money in the medical insurance account will not expire, and the medical insurance you pay every month, in addition to most of it for social co-ordination, some of it will be remitted to your own medical insurance card account.

Hello, in fact, not all medical insurance is returned in the personal account, and there is a relationship between the return rate and age, and there are also differences in the same place, and the money returned is normally not withdrawable. Because the balance of the medical insurance account must be earmarked. The money in the medical insurance account will not expire, and the medical insurance you pay every month, in addition to most of it for social co-ordination, some of it will be remitted to your own medical insurance card account.

Legal analysis: If you participate in the work, the unit handles five insurances and one housing fund for yourself, and the unit requires the individual to withdraw from the NCMS, in this case, the unit will issue a certificate to write that you are the newly recruited employee of the unit, and according to the requirements of the national policy, you need to apply for urban employee medical insurance for it.

Since the employee medical insurance and NCMS cannot be duplicated according to the national policy, the employee can only participate in the employee medical insurance after withdrawing from the NCMS. In addition, if you don't have to take your ID card and cooperative medical certificate, you can go to the county agricultural cooperative cooperative office (county new rural cooperative cooperative medicine management center) to handle it.

Legal basis: "Regulations of the People's Republic of China on Basic Medical Insurance for Urban Employees" Article 2 The following units and their employees in cities and towns in this province must participate in basic medical insurance in accordance with these Regulations:

1) Enterprises and their employees; Punch and Na.

2) Organs, public institutions, intermediary agencies, social organizations, private non-enterprise units and their employees;

3) Employers of military units and their employees without military status.

These Regulations shall apply to the retirees of the above-mentioned units.