There are three main reasons why farmers choose to cut off NCMS: high costs, partial reimbursement and zero-clearance at the end of the year. First of all, the cost of NCMS is ** every year, for a family of 5, the annual cost is as high as 1,900 yuan, giveFarmersWe have brought enormous economic pressures. Secondly, there are still certain restrictions on the reimbursement of medical expenses in NCMS, especially in township hospitals and tertiary hospitals, the reimbursement ratio is relatively low and cannot be completely solvedFarmersThe issue of medical expenses. Finally, NCMS will be cleared at the end of the year, ifFarmersDidn't use it for a yearMedicare, the money will disappear, unlike the city residents can accumulate. This makesFarmersDoubts arose about the actual benefits of NCMS, and the belief that medical insurance for urban residents was more cost-effective.
In order to explain why village cadres frequently urge NCMS, it is necessary to analyze it from three aspects: assessment pressure, time cycle and sense of responsibility. First of all, village cadres have certain evaluation targets in their work, and if they fail to complete the evaluation targets assigned by their superiors, they may be punished or dismissed. As a result, they are under tremendous pressure to meet the demands of their superiors. In order to achieve the assessment goals, the village cadres had to frequently publicize the importance of NCMS to the villagers, hoping that they would not choose to break off the NCMS. Second, the time period for paying NCMS in rural areas is limited, because some villagers go out early to do business, while others rush to work in the fields, so there are few opportunities for village cadres to come to their homes to publicize the situation. In addition, for some five-insured households and severePeople with disabilitiesVillage cadres should also take the initiative to publicize the relevant policies to ensure that they can enjoy the benefits of the NCMS in the next year. Finally, many village cadres also have a sense of responsibility, and they are worriedFarmersIf you refuse to participate in NCMS, if you are hospitalized due to illness, you may choose to "become poor due to illness" or "give up**" because you cannot afford the medical expensesFarmersfinancial burden. Therefore, in order to avoid the tragic accident of rural families who cannot afford medical expenses, the village cadres tirelessly went to the villagers' homes to persuade them, hoping to persuade them to continue to pay the NCMS, so as to save more rural families and improve their incomeRural populationlife expectancy.
From the perspective of the reasons why farmers choose to cut off NCMS and why village cadres frequently urge NCMS to pay NCMS, the real core of the rural NCMS problem lies in how to balance the relationship between medical insurance costs and actual rights and interests. FarmersThe main reasons for the opposition to the contribution are the high cost and limited reimbursement ratio, which indicates that the design and management of NCMS needs to be more rational and humane. Both to make sureFarmersThe cost of medical insurance can be afforded, and the reimbursement rate must be increased to meetFarmersThe actual need for medical expenses. In addition, the system of zero-COVID at the end of the year also needs to be reconsidered to better protect itFarmersInterests. For village cadres, they shoulder the tasks and responsibilities assigned by them, but they also need to respond flexibly according to the actual situation of different villagers to ensure that their work is truly effective. At the same time, it is necessary to strengthen the training and assessment of village cadres so that they can better understand themFarmersand find more appropriate ways to communicate policies and promote NCMS. To sum up, the issue of new rural cooperative cooperative systems in rural areas needs to be met with village cadresFarmersWorking together to achieve equity and sustainability in health care.