Go to the People's Social Security Bureau first, cancel the employee's medical insurance in the lobby employee medical insurance office, and then go to the social medical insurance office. Although employees pay more for medical insurance, the reimbursement ratio is dozens of percentage points higher than that of residents' medical insurance. But for the common cold, rural medical insurance is more cost-effective. In short, if you can ensure that you will not get seriously ill for many years to come (the cost is not much), then transfer to residents' medical insurance, otherwise you should pay the employee's medical insurance first and find another unit to renew the employee's medical insurance.

First, how to pay rural medical insurance

1. First of all, you need to prepare and pay the materials needed for rural medical insurance, which generally include your valid ID card, copy and household registration book.

2. When you are ready, take these materials to the local rural medical and social security bureau to apply and fill out the application form for insurance, usually in duplicate;

3. After filling in, submit the application form and materials to the staff for review;

4, after the staff review, confirm that there is no problem, sign and seal, and then hand it over to the Social Security Bureau;

5. Finally, the township social security bureau will conduct the preliminary examination. After the audit is correct, the social security bureau will transfer the information to the county agricultural insurance center. If you succeed in the exam, you will succeed.

Second, what are the payment methods for rural medical insurance?

1. Alipay or WeChat payment: Open the mobile phone Alipay and WeChat, find the city service, click Social Security, and then enter our own rural medical insurance card. After filling it out, we can bind it. After the binding is successful, click the rural medical insurance payment in social security.

2. Use the rural medical insurance app for payment: We download the rural medical insurance app with our mobile phone first, and then register. After the registration is successful, click the rural medical insurance payment.

Third, how much can rural medical insurance be reimbursed?

The reimbursement ratio of rural medical insurance is determined according to the registration of our hospital, and the reimbursement ratio of different hospitals is different, as follows:

1, 60% reimbursement for treatment in village clinics and village center clinics;

2, the town hospital reimbursement 40%;

3, the secondary hospital reimbursement of 30%;

4, tertiary hospital reimbursement 20%;

5. Chinese medicine invoice with prescription 1 yuan per paste;

6, the township cooperative medical outpatient compensation limit is 5000 yuan.

legal ground

Article 25 of the Social Insurance Law

The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

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.