1. Different participants: the participants of medical insurance for urban and rural residents are mainly urban residents and rural residents, while the participants of the new rural cooperative medical system are mainly rural residents.
2. Different payment standards: the medical insurance payment standard for urban and rural residents is relatively high, and the payment standard for the new rural cooperative medical system is relatively low.
3. The reimbursement ratio is different: the reimbursement ratio of medical insurance for urban and rural residents is higher, and that of the new rural cooperative medical system is lower.
4. Different reimbursement scope: the reimbursement scope of urban and rural residents' medical insurance is wide, including outpatient, hospitalization, serious illness and other medical expenses, while the reimbursement scope of the new rural cooperative medical system is relatively narrow, mainly focusing on hospitalization and outpatient expenses.
Expand the reimbursement scope of the new rural cooperative medical insurance;
1. Add reimbursement items: According to the actual medical needs of rural residents, some essential medical items will be gradually included in the reimbursement scope of the new rural cooperative medical system. For example, some drugs and examination items for treating common diseases can be added, so that more medical expenses can be reimbursed.
2. Increase the reimbursement ratio: On the premise of maintaining the sustainability of the new rural cooperative medical fund, the reimbursement ratio of some medical items can be appropriately increased to make it easier for rural residents to obtain medical services.
3. Optimize the reimbursement process: simplify the reimbursement process of the new rural cooperative medical system, reduce unnecessary links and procedures, and improve the reimbursement efficiency. For example, electronic reimbursement can be implemented, so that rural residents can make online reimbursement through mobile phones or computers, reducing the submission and delivery of paper materials.
4. Strengthen supervision and publicity: Strengthen the supervision of the new rural cooperative medical system to ensure the safe and rational use of funds. At the same time, strengthen publicity and education for rural residents, improve their knowledge and understanding of medical insurance policies, and enhance their awareness of participating in insurance.
Optimize the medical insurance for urban and rural residents and the new rural cooperative medical insurance;
1. Urban and rural residents' medical insurance and new rural cooperative medical insurance are both important components of China's medical security system, which is of great significance for safeguarding residents' medical rights and interests.
2. In the process of promoting the reform of the medical insurance system, we should fully consider the actual situation of different regions and different groups of people, and formulate more scientific and reasonable policies to ensure the fairness and sustainability of the medical insurance system.
3. According to the different characteristics of urban and rural residents' medical insurance and the new rural cooperative medical system, we can adopt different policies and measures, such as formulating more favorable policies for the new rural cooperative medical system to better meet the medical needs of rural residents.
To sum up, there are differences between urban and rural residents' medical insurance and the new rural cooperative medical system in terms of insured objects, payment standards, reimbursement ratio and reimbursement scope. In order to better protect residents' medical rights and interests, it is necessary to formulate more scientific and reasonable policies to ensure the fairness and sustainability of the medical insurance system. At the same time, different policies and measures can be taken according to the actual situation of different regions and different groups of people to better meet the medical needs of residents.
Legal basis:
Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers
first
In order to ensure the basic medical care for urban workers and make rational use of medical resources, these regulations are formulated in accordance with the relevant provisions of the state and the actual situation of this province.
Article 4
The basic medical insurance premium is shared by both the employer and the employee.
Article 5
In principle, the basic medical insurance takes cities, counties and autonomous counties as the overall planning units and implements localized management.