One of the reasons why villagers stopped paying NCMS fees was that they paid NCMS every year. The initial 10 yuan has risen to 380 yuan now, and for a family of five, the annual cost of NCMS is as high as 1,900 yuan, which has increased the financial burden on many villagers. This kind of pressure to pay is something they cannot afford.
Further expansion: Villagers face many expenses in their lives, including education expenses, daily living expenses, etc. The continuous cost of NCMS has made the burden on families even heavier. In particular, some rural households with lower incomes are in a difficult economic situation and can hardly afford the high cost of NCMS. Even some middle-income households are under pressure to pay for the NCMS. Therefore, the villagers' choice to cut off the NCMS is also a way for them to reduce their financial burden.
Another reason why the villagers are not satisfied is the reimbursement ratio of NCMS. While the reimbursement rate has ostensibly risen to 70 per cent, this is not the case. In the case of hospitalization** in a township hospital, only 60% of the cost will be reimbursed. In the case of hospitalization** in a tertiary hospital, only half of the cost will be reimbursed. This is still a big burden for the villagers. Therefore, they felt that it would be better not to participate in NCMS instead of having to bear the additional medical expenses of participating in NCMS.
Further expansion: In addition to paying high fees, villagers also have to face the problem of reimbursement ratio of medical expenses when participating in NCMS. When villagers or their family members are hospitalized, they need to pay a certain percentage of medical expenses, which are not fully reimbursed. Especially when visiting township hospitals and tertiary hospitals, the reimbursement ratio has been significantly reduced, which has brought a lot of burden to the villagers. The villagers believe that since they have to pay a certain percentage of the fee, it is better to choose to save money slowly for the NCMS in case of emergency.
In addition, the elimination of funds at the end of the NCMS is also a reason for the villagers to be discouraged. If the residents of the city did not consume medical insurance in the current year, the funds in the account can continue to accumulate and can be used again until the next year. However, after participating in the NCMS, if they do not use it by the end of the year, all of them will be cleared. In order to continue to enjoy medical insurance, the villagers had to continue to pay premiums. For the villagers, the NCMS will be cleared by the end of the year, which is indeed unattractive compared to the medical insurance system in the city.
Further expansion: The NCMS zero-fund policy is a thorn in the hearts of villagers. Villagers hope to be able to save their health insurance funds for emergencies, just like city residents. However, due to NCMS' regulations, if the funds are not used by the end of the year, they will all be cleared. This makes the villagers feel unfair and makes them suspicious of the payment of NCMS. They believe that this system is not cost-effective, and there is a certain gap compared with the medical insurance treatment enjoyed by urban residents.
Why do village cadres frequently urge NCMS?One of the reasons behind this is because they have pressure to evaluate indicators. If you fail to complete the evaluation indicators issued by your superiors, you are likely to be punished or dismissed. As a result, village cadres are also under tremendous pressure. In order to complete the assessment indicators, they can only go to the villagers' homes to publicize it, hoping to persuade them not to choose to cut off the NCMS.
Further expansion: Village cadres are rural managers and organizers, and their responsibilities include leading farmers to prosperity and promoting rural development. And their performance evaluation often includes the assessment indicators of the villagers' NCMS payment rate. If the contribution rate is low, it will not only affect the individual's performance evaluation, but also risk penalties or dismissal. Therefore, the attitude of the village cadres towards the villagers' discontinuation of the NCMS is very positive. They hope to increase the payment rate of villagers by constantly urging them to pay NCMS, so as to complete the assessment targets issued by their superiors and keep their posts.
The NCMS is not an overnight process, and village cadres need to find the right time and be patient. Because of the different living patterns of rural residents, some people have to go out to work in the morning, while others have to be busy with the work of planting and breeding farmland. As a result, village cadres may not be able to find the right time to go there several times. They have to be flexible and choose the right time to carry out propaganda in the hope of convincing more villagers.
Further expansion: The population distribution in rural areas is relatively scattered, and the living habits of villagers are different from those of urban residents Xi different from those of urban residents. Some villagers have to go out early in the morning to work, while others have to work in the fields. This has brought a certain degree of difficulty to the work of village cadres. In order to be able to call for NCMS, they need to constantly look for the right time to try not to miss the villagers and ensure that they can communicate and publicize with them. This requires village cadres to have flexible work arrangements and a patient mentality to adapt to the daily life of rural residents.
In addition to the pressure of assessment indicators and the selection of timing, village cadres also have a sense of responsibility behind the reminder of NCMS. They are worried that if the villagers stop paying NCMS, they may become impoverished or choose to give up if they are sick and hospitalized and cannot afford the medical expenses. Although NCMS cannot fully reimburse the villagers' hospitalization expenses, it can at least partially reimburse them to reduce the financial burden of the villagers. The village cadres hope that by urging the NCMS, the tragedy of rural families not being able to afford to see a doctor will be avoided and the life expectancy of the rural population will be increased.
Further expansion: Village cadres have a sense of responsibility for the collection of NCMS. They know the living conditions of the farmers and know that if they do not participate in the NCMS, they may face a huge financial burden in the event of a serious illness and hospitalization. In rural areas, health care costs are often a significant part of the burden on families. Although NCMS cannot completely solve this problem, it can at least reduce some of the burden. The village cadres do not want to see rural families fall into poverty because of illness, or even give up. Therefore, they tirelessly went to the villagers' homes to publicize it, hoping to persuade more villagers to continue to pay for the NCMS and provide them with better medical security.
Summary: The main reasons why villagers choose to stop paying NCMS mainly include the cost of NCMS**, the reimbursement ratio and the impact of the fund clearance at the end of the year. The village cadres urged the NCMS because of the pressure of the assessment indicators, the timing of the reminder and a sense of responsibility. The conflicts and contradictions between the two are based on the farmers' concerns about economic pressure and medical security, as well as the village cadres' concern for farmers' welfare and social stability.