Recently, urban and rural residents have started to pay social security contributions again, so many questions about the new rural cooperative medical care have emerged. What is the difference between social security and NCMS?Can both be handed over at the same time?Once I have paid the fee, will I be able to enjoy the opportunity to be reimbursed for both?Can NCMS receive maternity allowance?
Many people are prone to confusing NCMS and social security, and Xiaoyi is here to give you a detailed answer.
Social security and NCMS are two types of insurance systems. Social insurance refers to social insurance, which is a safeguard measure organized and managed by the first organization, aiming to solve the risks of workers in pension, medical care, unemployment, work-related injury and maternity. The New Rural Cooperative Medical System refers to a new type of rural cooperative medical system, which is an insurance system that provides basic medical security for farmers, and is also managed by the first class. The purpose of both insurance systems is to guarantee the basic welfare of the people and to improve the level of social security.
Social insurance is the abbreviation of social insurance, which covers five important types of insurance: endowment insurance, medical insurance (commonly known as medical insurance), work-related injury insurance, maternity insurance and unemployment insurance.
"Medical insurance" is a form of "social security", which includes the New Rural Cooperative Medical System. The full name of NCMS is New Rural Cooperative Medical Care, referred to as NCMS. At present, it has been merged with urban residents' medical insurance, collectively referred to as urban and rural residents' medical insurance. This type of insurance is available to residents of the agricultural household registration and provides them with basic medical care and medical protection for serious illnesses.
1. The charging standard is different.
The payment of medical insurance for urban employees is paid monthly, which is shared by the employer and the employee, and is paid in accordance with the prescribed payment base and proportion.
The payment method of the new rural cooperative medical care is carried out on an annual basis, and the funds cover individual, collective and multi-faceted fundraising. Due to the different levels of medical insurance subsidies in different regions, the system has strong regional characteristics in different places.
2. The scope of application is different.
At present, NCMS can only reimburse medical expenses in the case of hospitalization, but in some cities, medical treatment can also be reimbursed.
Medical insurance contributions in social security can be used for **, doctor's visits, pharmacy purchases, hospitalization** expense reimbursement, etc.
3. The scope of insurance varies
Only those with a rural hukou can apply for NCMS.
As long as you have a legal job or live in a city, you are eligible for the social security system.
The reimbursement rate of social security is relatively high, generally between 70% and 80%;The reimbursement ratio of NCMS is relatively low, generally between 50% and 70%, especially in the case of off-site reimbursement, which may only be 30% to 40%.
4. The length of time for insurance participation is different.
The requirement for participation in pension insurance is to pay for 15 consecutive years;Men need to be insured for 25 years, and women need to be insured for 20 years to enjoy insurance benefits.
At present, the state does not set a requirement for the number of years of participation in NCMS. As long as you pay annually, you can enjoy the reimbursement treatment;If you do not pay the premium, you will not be eligible for reimbursement.
Frequently Asked Questions:
1. Can I reimburse both expenses at the same time?
No way. It is possible to purchase NCMS and social security at the same time, but the two will conflict and cannot be reimbursed repeatedly.
2. After paying the NCMS, is I eligible for maternity allowance after pregnancy?
In the New Rural Cooperative Medical Insurance, maternity insurance is not included. In order to enjoy the treatment of maternity allowance, you must join the maternity insurance of employees. However, the NCMS can be reimbursed by maternity insurance. Reimbursement standards vary from region to region, so please consult your local health insurance bureau for details.
Resignation continues to be paid, and social security is paid on behalf of others