Social Security Policy Changes?In 2024, the personal medical insurance will be cancelled and the cost of medical treatment will be fully reimbursed
According to the relevant policies issued by the Ministry of Human Resources and Social Security and local financial supervision departments, employees working in the national system and state-owned enterprises are obliged to pay serious illness insurance and provident fund on time, which can ensure the basic living security of employees.
According to the relevant regulations on the payment of medical insurance issued by the Ministry of Human Resources and Social Security, workers generally only need to pay 2% of their wages, while employers need to pay 8% of their wages, which greatly guarantees the basic living and medication safety of workers, and makes it more cost-effective to pay medical insurance premiums for urban employees.
According to the reform policy issued by the Ministry of Human Resources and Social Security, it is expected that after 2024, there will be news that personal medical insurance accounts may be cancelled on a large scale, and they will be uniformly included in the national medical insurance sharing policy, and once implemented, it will affect the balance of China's citizens' medical insurance cards.
The competent authorities are exploring new rules for the reform of sickness insurance, the specific application of which is 2% of the employee's salary, which will continue to be transferred to the personal account, and the company will pay 8% of the employee's fee and transfer it directly to the national comprehensive account.
According to the study, the state treasury is currently facing significant financial pressure, mainly due to the serious problem of an aging population that requires the state treasury to provide adequate pensions for pensioners.
For individual industrial and commercial households, there is no need to establish social security for them, and the personal account adopts the method of national overall planning, and the original balance of the personal medical insurance card remains unchanged, but the funds transferred each year are less.
According to basic statistics, 190 countries in the world have implemented the universal free medical plan, and it is difficult for China to implement free medical care, mainly because China belongs to the world's largest country, China is still a developing country, the per capita income level of the world's most populous country is relatively low, and the Ministry of Chinese Human Resources and Social Security and local financial management and control departments are gradually increasing the reimbursement ratio of insured persons to reduce the pressure on patients' medical expenses. The Ministry of Chinese Human Resources and Social Security and local financial management and control departments have gradually increased the reimbursement ratio of insured persons to reduce the pressure on patients' medical expenses.
Some experts are worried that the introduction of free medical care in our country will cause some people to rush to the hospital to buy some daily medicines and keep them at home in case of emergency.
China's medical resources have been inclined to the elderly, contemporary young people have to pay medical insurance on time every month, basically not sick all year round, some retired elderly no longer pay medical insurance, but often sick to take medicine, with the development of the country's economy, China's medical and health field is also constantly reforming, the country's medical insurance system has gradually tilted towards the retired elderly.
Category 1: Long-term self-financed medicines.
With the development of the country's economy, China's medical level has been greatly rectified, the country's medical level has been foundational, the medical level of citizens has been improved, and the medical expenses have been greatly improved.
Category 2: People who have not paid supplementary medical insurance.
People who do not have supplementary health insurance may fall back into poverty if they are sick and hospitalized.
Category 3: People with chronic diseases with complications.
With the development of the national economy, China's medical level has been greatly improved, based on China's chronic diseases have been included in the scope of medical insurance reimbursement, with the first complications required more and more specific drugs, but medical insurance can not be reimbursed, this part of the population needs to spend a huge amount of medical funds on medical expenses, which will have a great impact on the economy of this part of the population.