The payment of NCMS in 2024 is about to end, and some villagers have not paid the due analysis!
Foreword: As 2023 approaches, the payment reminder for the 2024 Rural NCMS is becoming more and more urgent. To the annoyance of village officials, however, many rural residents are indifferent to these reminders. This begs the question: why are they delaying the payment of their fees?The villagers pointed out five main reasons, let's see which one fits you in.
increasingly expensive. The cost of the new type of rural cooperative medical insurance is getting higher and higher, which has become the main reason why many villagers are reluctant to pay. In the past, there was only $10 or $20 per person per year. However, the fees are now substantial**. According to the data of each region, the lowest is 380 yuan per person per year, and the highest is even more than 800 yuan in some areas. Many people mistakenly think that paying a few hundred yuan a year is not a big deal, but if you look at the income of rural residents, you can see that this is not the case. Today, the gap between urban and rural areas still exists, and the income gap is even more obvious, with the per capita income of rural residents only about 10,000 yuan. For families with large family members and a lack of labor, per capita income is lower. The need to pay thousands of yuan per year for medical insurance is undoubtedly a huge expense, and it has become the norm to be unaffordable.
Description: With the passage of time, the cost of living in rural areas has continued to rise, while the growth of farmers' incomes has not kept up. In this case, the constant cost of medical insurance is a huge economic pressure for rural residents. Especially for poor families, paying high health insurance premiums can mean an inability to pay for other necessities. This situation has led many farmers to believe that it is more cost-effective not to pay health insurance than to pay health insurance.
Unrealistic. The original intention of farmers to participate in the new rural cooperative medical insurance is to save money when they are sick, but if they are not used for a long time, it will become redundant. Because at present, the elderly and children are mainly seen by the elderly, and young adults rarely go to the hospital, which means that many people cannot use medical insurance. If you pay the money but you can't use it, it naturally makes no sense. In addition, there are many migrant workers in rural areas who have been absent from rural areas for a long time, and the use of NCMS is restricted in the city, let alone in the province. Therefore, for these people, it is not practical to pay NCMS.
Expansion: Residents in rural areas generally face a lack of access to health care, often far from them. As a result, even if they have health insurance, they have to pay most of their own medical expenses. In addition, due to the imperfection of the medical insurance system, many residents are skeptical about the actual benefits of medical insurance. They may believe that even with health insurance, there is no guarantee of timely access to quality medical care. Therefore, in the absence of an actual need, not paying the fee becomes their choice.
Double the payment. When peasants go to the city to work, they also have to pay other medical insurance, such as employee medical insurance, and if they pay according to the standard of the NCMS, it means that they have to pay repeatedly. Even if they pay the NCMS rate, they may not end up benefiting from the higher reimbursement rates of the workers' health insurance. In addition, the reimbursement of employee medical insurance and NCMS cannot overlap, which is one of the reasons why some people have given up paying into NCMS.
Expansion: In rural areas, due to the lack of a well-developed social security system, the issue of medical security for migrant workers has been the focus of attention. Many migrant workers need to pay both employee medical insurance and NCMS when they move to the city to work. However, due to the different coverage and reimbursement ratios of the two insurances, it is difficult to operate in actual use. This phenomenon of duplicate contributions not only increases the financial burden of migrant workers, but also raises questions about the medical insurance system.
Non-cumulative. The medical insurance of NCMS cannot be paid cumulatively, once a year, and cannot be used after expiration. This caused a lot of dissatisfaction among the villagers. They don't understand where the annual fee is going or why it can't be used cumulatively. Unlike other insurances, such as car insurance, which reduce fees after at least one year of uninsured, NPIC's annual fee increases year by year. This was unacceptable to some people, so they chose to cut the new rural insurance scheme.
Description: The NCMS payment method restricts the choices of many farmers, who believe that it is an unreasonable institutional arrangement. Farmers want to be able to choose when and how much they want to pay, and they want to be able to accumulate their contributions so that they can use them when they need them in the future. However, the current health insurance system does not allow for this flexibility, which causes them problems.
High medical costs.
The original intention of the new rural cooperative medical insurance is to reduce the financial burden of sick families, but is it really feasible?Some people say that they can't afford to be sick without medical insurance, and they can't afford to be sick if they have medical insurance. Medicare reimburses too much, making people feel like they are paying high medical bills, and often requiring multiple check-ups regardless of the disease. This situation has led to the emergence of excessive medical treatment and excessive ** phenomenon, which is related to the medical level of doctors, the medical treatment system, and the medical ethics of doctors and hospitals. Therefore, some people think that since the situation of medical care is similar to that of medical insurance, why pay a sum of money every year in exchange for benefits?This is also the reason why some people choose to reduce their national health insurance contributions.
Note: The high cost of medical care is one of the main reasons why many farmers are reluctant to pay for NCMS. Despite health insurance, farmers are actually responsible for most of the medical costs. In addition, there are still many drawbacks in the current medical insurance system, such as limited reimbursement scope and low reimbursement ratio, which leads many farmers to think that medical insurance has no actual economic benefits for themselves. Faced with the high burden of medical bills, it is natural for them to consider whether it is worth continuing to pay for health insurance.
Abstract:In the face of the collection of new rural cooperative medical insurance, more and more villagers choose not to pay, which brings great pressure to grassroots cadres. The main reasons why villagers choose not to pay the fee include high medical insurance costs, lack of practical utility, duplicate payment, inability to accumulate, and high medical costs. In addition, they believe that health insurance does not really reduce their financial burden and can even lead to excessive medical treatment. In the face of these villagers who have reduced their contributions to the NCMS, it is necessary to understand their difficulties and adjust the medical insurance system in a timely manner to better meet the needs of farmers.