Are the new rural cooperative medical system and rural cooperative medical system the same thing? What is a medical insurance card?

First, the rural cooperative medical system is the predecessor of the new rural cooperative medical system and a solid theoretical basis for establishing the new rural cooperative medical system.

The difference between the two:

1. Different sponsors:

The new rural cooperative medical system (hereinafter referred to as the "new rural cooperative medical system") refers to the government's organization, guidance and support, farmers' voluntary participation, and individual, collective and government financing.

Rural cooperative medical insurance is a medical security system created by farmers in China (agricultural registered permanent residence).

2, the two sources of funds are different:

The new rural cooperative medical system adopts a combination of individual contributions, collective support and government funding to raise funds.

Rural cooperative medical insurance farmers pay their own insurance.

3. Different coverage:

The medical security system of the new rural cooperative medical system is based on the overall planning of serious illness.

Rural cooperative medical care guarantees basic health services, alleviating poverty caused by illness and returning to poverty due to illness.

Two, social medical insurance card (hereinafter referred to as medical insurance card or medical insurance card):

It's a personal account card for medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment, account fund consumption, etc.

The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

Extended data:

Content of new rural cooperative medical insurance:

1, security object.

The object of serious illness insurance is urban residents' medical insurance and the insured of the new rural cooperative medical system.

2. Scope of protection.

Serious illness insurance mainly guarantees the compliance medical expenses that urban residents need to bear after compensation by medical insurance and new rural cooperative medical system when the insured (altogether) suffers from serious illness and the medical expenses are high. high

The amount of medical expenses can be judged by the part of the annual cumulative burden of compliant medical expenses on individuals that exceeds the annual per capita disposable income of urban residents and the annual per capita net income of rural residents announced by local statistical departments, and the specific amount is determined by local governments.

Compliance medical expenses refer to the actual and reasonable medical expenses (which can be stipulated not to be paid), which are determined by the local government.

3. Protection level.

In order to avoid catastrophic family medical expenses for urban and rural residents and reasonably determine the compensation policy for serious illness insurance, the actual payment ratio is not less than 50%; The proportion of payment is determined according to the level of medical expenses. In principle, the higher the medical expenses, the higher the payment ratio. With the continuous improvement of financing, management and security, the proportion of reimbursement for serious illness will be gradually increased, and the burden of personal medical expenses will be reduced to the greatest extent.

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