no.

first, the basic characteristics of rural cooperative medical care

rural cooperative medical care is a mutual aid and economic medical security system led by the government and voluntarily participated by farmers. It takes the form of individual contributions, collective support and government subsidies to raise funds, which are mainly used to compensate farmers for medical expenses caused by diseases. This system is characterized by wide coverage and low level, aiming at providing basic medical security for farmers.

ii. fund operation of rural cooperative medical care

the funds of rural cooperative medical care mainly come from individual contributions of farmers, collective support and government subsidies. These funds will be unified into the cooperative medical care fund to pay the medical expenses of the insured farmers. In the process of fund operation, the cooperative medical fund is managed and used according to the prescribed procedures and standards to ensure the safe and effective use of funds.

III. Reimbursement Mechanism of Rural Cooperative Medical System

When farmers suffer from medical expenses due to illness, they can apply to the local rural cooperative medical management institution for reimbursement. The management organization will calculate the amount of reimbursement according to the types of diseases suffered by farmers, treatment costs and reimbursement standards of cooperative medical care, and pay this part of funds directly to medical institutions or individual farmers.

iv. rural cooperative medical care and personal accounts

it is worth noting that rural cooperative medical care usually does not set up personal accounts, so there is no concept of balance. The fees paid by farmers and government-funded funds will be included in the cooperative medical fund for unified management and reimbursement of medical expenses. This system is designed to ensure the fairness and sustainability of funds and avoid the possible problems of fund precipitation and waste in personal accounts.

To sum up:

There is usually no balance in rural cooperative medical care, which is a system of raising funds, managing and reimbursing medical expenses in a unified way, aiming at providing basic medical security for farmers. The fees paid by farmers and government-funded funds will be included in the cooperative medical fund to pay the medical expenses of insured farmers. Therefore, farmers do not need to worry about the balance in the cooperative medical system, but only need to apply for reimbursement according to the prescribed procedures when necessary.

Legal basis:

Article 24 of the Social Insurance Law of the People's Republic of China

stipulates:

The state establishes and improves a new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

article 25 of the social insurance law of the people's Republic of China

stipulates:

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. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly and minors who are over 6 years old in low-income families, etc., are subsidized by the government.