The New Rural Cooperative Medical Care Insurance Enrollment Methods How do I enroll in the New Rural Cooperative Medical Care? Rural and urban residents who need to participate in the New Rural Cooperative Medical Scheme should bring their household registration books to the village, neighborhood or community where their household is located to apply for enrollment by December 20 each year, and are required to enroll as a whole household. Why do I need to enroll as a household? The New Rural Cooperative Medical Scheme (NRCMS) is a state-implemented system of basic medical care for the general public. It is funded by the villagers, with the collective subsidizing and the government supplementing, and is based on the principle of mutual aid***helping each other to bear the risk of illness and to provide some financial assistance to the sick people, so as to minimize the phenomenon of the masses becoming poor and returning to poverty as a result of illnesses. Therefore, the whole family is required to participate in the insurance, so as to provide help to others, but also to provide protection for themselves. How much do I have to pay to participate in the new rural cooperative medical care? Fees vary across the country, but in Chongqing the fee is 10 yuan per person per year to reimburse part of the medical expenses in proportion, and a one-time subsidy for serious illnesses, which can be as high as 10,000 yuan or as low as 4,000 yuan per year, is available after illness. How long will I be covered after paying the fee? The coverage time of the new rural cooperative medical care is one year, i.e. from 00:00 on December 28th of the payment year to 24:00 on December 27th of the following year, and the whole household is required to participate in the insurance continuously. What procedures do I need to go through when I am hospitalized? If a participant is hospitalized in a designated hospital in the county, he/she should register with the "Agricultural Medical Insurance Specialist" at the hospital when going through the hospitalization procedures, and the "Agricultural Medical Insurance Specialist" will inform you of all the required procedures. When the insured person is hospitalized in the designated hospitals outside the county and province, he/she can go to the hospital directly, and then go to the Agricultural Medical Insurance Business Management Center for compensation after being discharged from the hospital; when the insured person goes to the hospital outside the province, he/she should go to the Agricultural Medical Insurance Business Management Center for the formalities of going out to seek medical treatment, and the special circumstances can be handled by the Business Management Center in the hospitalization within 5 days, and if the person who goes out to seek medical treatment by himself/herself without going through the formalities, he/she will be reimbursed for medical expenses according to the proportion of 80% of the normal situation after calculation. 80% of the medical expenses will be reimbursed according to the normal accounting. How do I go about transferring to another hospital? If a participant needs to be transferred to another hospital when he/she is hospitalized, he/she does not need to go through any formalities to transfer to the designated hospitals in the province, but can be transferred directly; if he/she is transferred to an out-of-province hospital for treatment, he/she needs to go to the Business Management Center to go through the procedures of transferring to another hospital. What should the insured do in case of emergency? If a participant has a sudden emergency and cannot go to a designated hospital for treatment, he/she can be hospitalized in the nearest hospital and within 5 days of hospitalization, his/her family members can go to the Agricultural Medical Insurance Business Management Center with the certificate of emergency hospitalization to go through the relevant registration procedures. How do insured persons who have been living and working abroad for a long time seek medical treatment? If you live abroad for a long period of time, you can seek medical treatment at the designated basic medical institution in your place of residence. After being hospitalized, the participant or his/her family members must notify the OC of the name and level of the hospital where he/she has been admitted and the disease he/she suffers from within 5 days of hospitalization. After being discharged from the hospital, the participant or his/her family members must provide proof of temporary residence and other documents required for compensation. What should I do if I need to go outside the hospital for some special examinations due to my condition? If a participant needs to go to an outside hospital for examination during hospitalization due to the lack of medical equipment in the hospital, he or she needs to hold a certificate from the medical department of the hospital, and can be reimbursed only after the Farmers' Medical Insurance Business Management Center has examined and agreed to the examination
Legal Objective:Article 24 of the Social Insurance Law of the People's Republic of China (PRC): The State establishes and improves the new type of cooperative medical care for the villages. The administration of new rural cooperative medical care shall be regulated by the State Council.