1, zero risk insurance. Individual contributions of the insured, collective subsidies, contributions of other economic organizations, social welfare organizations and individuals to the insured, and subsidies of governments at all levels to the insured are all credited to the personal account of the new rural insurance. When the insured person goes out to settle down or dies, the balance of personal account funds (except government subsidies) will be returned to the insured person (or designated beneficiary or legal heir).
2. The government gives subsidies. The central government gives basic old-age pensions, local governments give corresponding subsidies to the insured, and the government pays part or all of the old-age insurance premiums for disabled residents in rural areas.
3. The payment standard is low. Voluntary choice by the insured, which is compatible with the living standards and economic income of rural residents, and the standard fees paid by rural residents can be borne by most people.
Reimbursement scope of rural endowment insurance:
1. Reimbursement scope of examination expenses: treatment, injection, infusion, debridement and suture, acupuncture and cupping, B-ultrasound, electrocardiogram, X-ray, laboratory tests, disposable infusion sets, syringes and other related expenses.
2. The scope of reimbursement for drug expenses: the scope of reimbursement for hospitalization for drugs and rural cooperative medical care as stipulated in local policy documents.
3. Reimbursement scope of hospitalization expenses: during hospitalization, related expenses such as medicine expenses, examination expenses, treatment expenses, operation expenses, laboratory expenses and hospitalization expenses can be reimbursed, and medical expenses can be reimbursed for special outpatient services.
4. Special disease expense reimbursement scope: chemotherapy for malignant tumor, dialysis treatment for severe uremia, rejection treatment after organ transplantation, decompensated liver cirrhosis, aplastic anemia, psychotic tuberculosis, systemic lupus erythematosus, autism in children, psychosis, hemophilia and phenylketonuria (limited to/kloc-children under 0/0).
To sum up, rural old-age insurance can provide farmers with certain old-age security, relieve the economic pressure of the elderly, help the elderly maintain their basic living standards, and also provide welfare benefits such as medical security and accidental injury protection for the elderly, so as to provide more comprehensive protection for their lives.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 16
Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they pay less than fifteen years when they reach the statutory retirement age. 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.