Interpretation of the "New Rural Cooperative Medical System" medical insurance in 2024 380 yuan paid?
Introduction: Medical insurance is an indispensable part of people's lives, and NCMS is an important medical security system in China, which has special significance and role. In 2024, the new type of rural cooperative medical insurance will start to be paid, with a minimum individual payment of 380 yuan and a state subsidy of 640 yuan. For farmers, the participation of the new rural cooperative medical insurance means that they can enjoy more comprehensive medical protection.
Overview and historical background of the International Human Rights Network.
Founded in 2006, the New Rural Cooperative Medical Program (NRCP) is a medical insurance system for rural households, aiming to solve the problem of farmers' difficulty in seeing a doctor and not being able to afford to see a doctor, and help farmers solve the cost of serious illnesses. Private and state share medical insurance premiums to ensure timely medical treatment and ** for farmers.
The difference between NCMS medical insurance and other medical insurance.
China's medical insurance system can be divided into three types: employee medical insurance, resident medical insurance, and new rural cooperative medical care. However, from 2018 onwards, the Resident Medical Insurance and the New Rural Cooperative Medical Care were merged into the Urban and Rural Residents' Medical Insurance. According to the characteristics and needs of different groups of people, there are certain differences in the scope of protection, payment standards, and policies of different medical insurance systems.
1) Medical insurance for urban workers: It mainly covers the labor force and is part of the social security system. The contribution base is high, but it can be cancelled after 25 years of contributions.
2) Medical insurance for urban residents: For residents with urban household registration, a medical insurance system with annual payment is implemented. The payment standard is 1,000 yuan per person. At present, it has been included in the NCMS medical insurance, so that this part of the population can enjoy the relevant protection of NCMS.
New Rural Cooperative Medical Insurance (NRCMI) contribution rates and reimbursement coverage.
In 2024, the individual payment standard for NCMS is 380 yuan per person, and the specific regulations will vary according to economic conditions and needs. The reimbursement scope of the new rural cooperative medical insurance mainly includes medical expenses and serious illness medical insurance.
1.Medical expenses.
There is a certain limit to the medical expenses reimbursed by NCMS, which must meet the requirements of drugs and expenses reimbursed by NCMS. It should be noted that there is a limit to the reimbursement of medical expenses, which is generally 500 yuan, that is, medical expenses exceeding 500 yuan in a year can be reimbursed. Class A drugs can be reimbursed in full, Class B drugs can only be partially reimbursed, and other expenses according to the provisions of medical insurance can also be reimbursed, generally including 15 diseases and 31 drug types. The specific reimbursement ratio is determined by the hospital level, with the highest reimbursement ratio for municipal hospitals and the lowest reimbursement ratio for hospitals above the municipal level.
2.Critical illness medical insurance.
NCMS also provides serious illness medical insurance, that is, a one-time reimbursement of hospitalization expenses for serious illnesses on the basis of basic medical insurance. In most cases, the reimbursement rate for critical illness is calculated based on the amount of individual charges. If the personal expenses are less than 5,000 yuan, 40% will be reimbursed;5,000 yuan to 12,000 yuan, 50% reimbursement;If it is more than 12,000 yuan, 60% will be reimbursed.
The civil affairs departments may provide full assistance to the civil affairs departments for the medical expenses of special groups such as persons living in extreme poverty, orphans living in social dispersion, and children living in extreme poverty. Other persons with financial difficulties who are reimbursed by the NCMS and serious illness insurance and whose personal expenses exceed 10,000 yuan may apply to the civil affairs department for temporary assistanceIf it exceeds 20,000 yuan, it can apply to the human resources and social security department for serious illness assistance.
The Significance of the New Rural Health Insurance (NRHI) and Personal Responsibility.
As a medical security system for farmers, the new rural cooperative medical insurance is still a medical insurance with high minimum payment standards and wide coverage, although the payment standard has been increasing year by year. Through the new type of rural cooperative medical insurance, farmers can enjoy more comprehensive medical protection and no longer have to worry about not being able to afford to see a doctor due to financial difficulties. In addition, the new rural cooperative medical insurance has the following characteristics and importance.
1.Membership Fee Benefits.
The payment standards of NCMS are basically the same in various places, which ensures the fairness of medical insurance. The payment standard is determined according to the economic strength of the region and the actual affordability of farmers, so as to ensure that all farmers enjoy medical security.
2) Global coverage.
NCMS medical insurance provides reimbursement for a variety of medical expenses and critical illness medical expenses. In addition, special assistance measures are provided for certain special groups.
3) Responsibilities and Obligations.
The implementation of the new type of rural cooperative medical insurance requires farmers to pay medical insurance premiums on time and abide by relevant regulations. At the same time, farmers enjoy corresponding rights and guarantees, such as reimbursement of disease expenses.
In short, the establishment and implementation of NCMS provides farmers with comprehensive and fair medical security, which is an important part of the social security system. Individuals have the responsibility and obligation to pay medical insurance premiums on time, comply with relevant regulations, and enjoy the benefits brought by medical insurance. Farmers should also fully understand the relevant policies and regulations of the new rural cooperative medical insurance, improve the awareness of medical insurance, make rational use of medical insurance resources, and pay attention to prevention and health care in their lives to reduce the demand for medical insurance.