1. Registration: rural residents need to go to the local rural cooperative medical management institution to register for insurance, fill in relevant information, pay corresponding fees, and get health cards or medical insurance cards;

2. Medical registration: When insured farmers need medical treatment, they should register with local primary medical institutions or designated hospitals for cooperative medical care. You need to carry a personal health card or medical insurance card, as well as an ID card and other valid documents before seeking medical treatment;

3. Reimbursement of medical expenses: insured farmers need to show their health certificates or medical insurance cards to clinics or hospitals when seeking medical treatment. Medical expenses are directly settled by designated medical institutions, and the insured farmers only need to pay part. After that, farmers need to submit an application for reimbursement to the local rural cooperative medical management institution, attach medical expense invoices and other relevant supporting materials, and wait for reimbursement from the medical insurance fund.

Medical insurance reimbursement standards are as follows:

1. Drug expenses: The reimbursement standard for drug expenses is generally determined according to the classification, grade and price of drugs in the medical insurance catalogue. Under normal circumstances, the medical insurance fund can reimburse more than 50% of the drug expenses, and the specific proportion depends on factors such as drug types and medical insurance types;

2. Treatment expenses: The reimbursement standard of treatment expenses is generally determined according to the classification, grade, price and other factors of medical treatment items in the medical insurance catalogue. Under normal circumstances, the medical insurance fund can reimburse more than 50% of the treatment expenses, and the specific proportion depends on factors such as the type of diagnosis and treatment project and the type of medical insurance.

3. Hospitalization expenses: The reimbursement standard for hospitalization expenses is generally determined according to the classification, grade and price of hospitalization items in the medical insurance catalogue. Under normal circumstances, the medical insurance fund can reimburse more than 70% of the hospitalization expenses, and the specific proportion depends on factors such as the type of hospitalization items and the type of medical insurance.

To sum up, the specific medical insurance reimbursement standards may be different due to different policies and regulations. It is recommended to consult the relevant staff of the local social security bureau or consult local policies and regulations.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.