The new rural cooperative medical system, referred to as the new rural cooperative medical system, refers to the system of mutual medical assistance and economic assistance for farmers organized, guided and supported by the government, in which farmers voluntarily participate and individuals, collectives and the government jointly raise funds. Take individual contributions, collective support and government funding to raise funds. On June 5438+ 10, 2002, China clearly proposed that governments at all levels should actively guide farmers to establish a new rural cooperative medical system with serious illness as the focus.
Security level: With the goal of avoiding catastrophic family medical expenses for urban and rural residents, the compensation policy for serious illness insurance is reasonably determined, and the actual payment ratio is not less than 50%; The proportion of payment is determined according to the level of medical expenses. In principle, the higher the medical expenses, the higher the payment ratio. With the continuous improvement of financing, management and security, the proportion of reimbursement for serious illness will be gradually increased, and the burden of personal medical expenses will be reduced to the greatest extent.
Commercial medical insurance: Commercial medical insurance is a medical insurance model that regards medical insurance as a special commodity and operates freely according to market rules. In the medical insurance market, the seller refers to a profit-making or non-profit private medical insurance company or private medical insurance company; The buyer can be an enterprise, social organization, government or individual.
New Rural Cooperative Medical System-Baidu Encyclopedia