The cost of NCMS continues, are the villagers no longer willing to pay?
In recent years, with the rapid development of China's rural economy, the income level of rural households has also increased year by year. However, this situation has also aroused the disgust and resistance of some rural households, making them unwilling to do "big wrongs" and refuse to enjoy the new type of rural cooperative medical treatment. This article will elaborate on the background, causes and possible countermeasures of this problem.
I. Introduction. The emergence of the new agricultural cooperative system: In order to deal with the health of farmers, the state has introduced a major institutional arrangement. The implementation of the rural cooperative medical system has enabled rural residents to share their own medical expenses and reduce their own economic burden. Reasons for the increase in premiums: The increase in the premium rate of the new rural cooperative medical insurance is related to the aging of the population and the increase in medical insurance expenditure. Due to the continuous improvement of medical standards, medical costs are rising year by year, and the ability to pay for social security funds has also increased.
2. The peasants' resistance and resentment against the peasants.
The continuous increase in the rate of rural cooperative medical insurance has brought a great economic burden to rural households. High insurance premiums are a major burden for low-income rural households. Poor returns: Some farmers feel that while insurance premiums have increased, their returns have not increased significantly. Farmers generally complain about the compensation ratio and scope of the NCMS, so that the farmers cannot get real benefits. Rural residents' distrust of rural cooperative medical care: Rural residents' distrust of rural cooperative medical care is due to the continuous increase in the rate of rural cooperative medical insurance and the low satisfaction of rural residents. Farmers generally have problems such as being crowded out and occupied in vain, which gives rise to the idea of withdrawing from the new type of rural cooperative medical care.
Third, the solution.
Reduction of rural cooperative medical insurance rates: The state should take appropriate financial subsidy measures to reduce the pressure on rural households to participate in insurance and pay premiums. On this basis, subsidies will be increased for rural subsistence allowance recipients, so that they can fully benefit from the new rural cooperative medical system. Enhance happiness: The state should improve the new rural cooperative medical system, increase the compensation rate, and expand the compensation, so that the majority of rural residents can enjoy more benefits. Intensify the publicity of the rural cooperative medical system, so that they can fully understand the relevant policies and preferential conditions of rural cooperative medical care. Intensify the management of the new type of rural cooperative medical care to ensure its rational and rational use. In addition, by increasing the disclosure of NCMS information, the insured farmers' awareness of the benefits of NCMS will be increased, and their trust in NCMS will be increased. Diversified medical insurance system: In addition to the new rural cooperative medical care, the state should actively promote various forms of medical insurance systems such as commercial medical insurance and social assistance, so that rural households have more choices.
Conclusion: The increase of rural cooperative medical insurance premiums has aroused the disgust and resistance of some rural households, making them unwilling to continue to be "big wrongs" and refuse to enjoy the new rural cooperative medical treatment. To this end, it is necessary to reduce the burden of premiums, improve welfare satisfaction, strengthen supervision and improve information disclosure, etc., and diversify the health insurance system so that farmers have more choices. Only in this way can the implementation of the NCMS policy enable farmers to effectively benefit from NCMS and improve their trust in NCMS.