Generally, rural cooperative medical care mainly focuses on the payment by banks such as Agricultural Bank of China, Postal Savings Bank and Rural Commercial Bank.
Generally, the payment of rural cooperative medical care is made in local village collectives, communities, banks and offices of the new rural cooperative medical system, and the payer takes the premium to the site to pay. This payment method is relatively concentrated, and there are many people paying fees every year, so it is necessary for the insured to queue up early. Therefore, in order to prevent the payer from taking time off and queuing for centralized payment due to inconvenient work. Online payment has been added to the payment method. This year, the new rural cooperative medical system implements a combination of online and offline payment.
The so-called rural endowment insurance mainly refers to the rural endowment insurance, which has experienced three stages of development: rural endowment insurance, new rural endowment insurance and urban and rural residents' endowment insurance. That is, the full name of the old rural insurance, the new rural insurance and the urban housing insurance that everyone used to say.
medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the payment of employers and individuals. After the insured person suffers from medical expenses, the medical insurance institution will give him some economic compensation. The establishment and implementation of the basic medical insurance system gathers the economic strength of units and social members, and with the government's funding, the sick social members can get the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick social members from becoming poor due to illness.
medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. The medical insurance system is usually legislated and enforced by the state, and a fund system is established. The expenses are paid by both the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risks caused by the illness or injury of the workers. Medical insurance also has two major functions of insurance, risk transfer and compensation transfer, that is, the economic losses caused by disease risks on individuals are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds. The establishment and perfection of medical insurance system will further promote social progress and production development.
legal basis
article 15 of the social insurance law of the people's Republic of China
basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.
Article 16 Individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance can pay for less than fifteen years when they reach the statutory retirement age, and they can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.