1, different coverage objects:
(1) Only farmers can participate in the new rural cooperative medical system, and the whole family must participate. The purpose of implementing this policy by the state is to solve the problem of "poverty caused by illness and returning to poverty due to illness", reduce the economic pressure of farmers and ensure their basic health services;
(2) The basic medical insurance for urban workers is a medical insurance fund jointly funded by employers and individuals, and it is a social insurance system established by the state to compensate workers for economic losses caused by disease risks. Moreover, it is stipulated that township enterprises, employees, owners of urban individual economic organizations and their employees should also be included in the basic medical insurance coverage.
2. Different payment methods:
(1) The new rural cooperative medical system is a voluntary participation of farmers, and the annual payment standard of individual farmers cannot be raised by combining individual contributions, collective support and government funding. At present, the rural cooperative medical system is less than 10 yuan. Of course, the standards are divided according to the regional economic conditions. In areas with good conditions, the payment standard may be higher. The medical insurance payment standard is 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan, and all localities set the payment level according to their own conditions. Of course, it is overpaid.
(2) The basic medical insurance premium for urban employees shall be paid by both the employer and the employees. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the employee's contribution rate is generally 2% of his salary income. What Xiaojin wants to say is that the contribution rate of employers and employees will not remain unchanged, but can be adjusted accordingly with the development of the economy.
3. Different treatment:
(1) The subsidy for the new rural cooperative medical system is different in different levels of medical institutions. The subsidy standard is 100 yuan for the first-class hospital in the county, 200 yuan for the second-class hospital and 500 yuan for the hospital outside the county. The proportion of subsidies is also different, 60% in the first-class hospitals in the county, 50% in the second-class hospitals, and 40% in the hospitals outside the county.
(2) The basic medical insurance for urban workers means that the insured can enjoy one-time treatment of hospitalization, serious illness allowance and medical expenses for special diseases in addition to personal account expenses, which sounds like a lot of concessions. Different from rural cooperative medical care, medical insurance for urban workers is a combination of unified accounts.
Legal basis: Article 1 of the Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Health and Other Departments on Establishing a New Rural Cooperative Medical System.
Objectives and principles
The new rural cooperative medical system is a medical assistance system for farmers, which is organized, guided and supported by the government, with farmers participating voluntarily, and financed by individuals, collectives and the government. Since 2003, all provinces, autonomous regions and municipalities directly under the Central Government have chosen at least two or three counties to carry out pilot projects first, and gradually pushed them away after gaining experience. By 20 10, we will achieve the goal of establishing a new rural cooperative medical system covering rural residents throughout the country, reduce the economic burden of farmers due to illness, and improve their health level.
The establishment of a new rural cooperative medical system should follow the following principles:
(a) voluntary participation, multi-party financing. Farmers voluntarily participate in the new rural cooperative medical system with their families as a unit, abide by relevant rules and regulations, and pay cooperative medical funds in full and on time; Township and village collectives should give financial support; The central and local governments at all levels should arrange certain special funds to support them every year.
(2) Support by income to ensure moderation. The new rural cooperative medical system should adhere to the principle of balance of payments, which not only ensures the continuous and effective operation of this system, but also enables farmers to enjoy the most basic medical services.
(three) pilot, and gradually promote. The establishment of a new rural cooperative medical system must proceed from reality, sum up experience through pilot projects, constantly improve and develop steadily. With the development of rural social economy and the increase of farmers' income, the socialization and anti-risk ability of the new rural cooperative medical system should be gradually improved.