Foreword: Entering the end of 2023, the issue of payment of rural NCMS medical insurance in 2024 is becoming more and more urgent. It has become the norm for village cadres to come to collect money, and some cadres have even resorted to threats and inducements. However, there are still many villagers who are indifferent to the payment of fees. Why are they delaying payment?Some villagers have pointed to five reasons, let's see which one is the case.
Villagers want better medical care at a lower cost, but the cost of health care is no longer a small problem. In the past, you only had to pay 10 or 20 yuan per person per year, but what is the level of fees today?Data from all over the world show that the lowest fee has reached 380 yuan per person, while the higher fee is even more than 800 yuan per person. Many people think that a few hundred yuan a year is not too much, but in terms of the income of rural residents, this is not the case. At present, the gap between urban and rural areas is still huge, and so is the income level, with the per capita income of rural residents only being more than 10,000 yuan, and the medical insurance fees to be paid may be as high as several thousand yuan per year. This is undoubtedly a huge financial burden, and it is not surprising that you cannot afford to pay it.
Expansion: Farmers' incomes are relatively low, and the burden on their families is heavier, so the increase in health insurance costs is even worse for them. Since rural residents' income is mainly dependent on agriculture or temporary work, which is relatively unstable, for them, the annual medical insurance cost of thousands of yuan accounts for a considerable proportion. Many rural families are still facing poverty and living difficulties, and there is little surplus money to pay for health insurance, so they prefer to forgo the payment.
The original intention of the rural NCMS medical insurance was to save money when you were sick, but if you don't need the medical insurance for a long time, it will be too redundant to pay the fees. At present, the main group of people who go to the hospital are the elderly and children, while young adults rarely go to the hospital for medical treatment. As a result, many people do not actually have access to health insurance, and paying fees is wasted. In addition, many rural people are away for a long time and do not live in rural areas, and the cross-regional use of NCMS is difficult, and there are great obstacles even across provinces. This further leads to a reluctance to pay fees.
Expansion: At present, it is common for rural people to go out to work. They have been away from the countryside for a long time and have not lived in the countryside for a long time, so there is little practical benefit for them to pay for the NCMS medical insurance. In addition, medical resources in rural areas are limited, and most basic medical services cannot be covered. Therefore, even if they pay for health insurance, they receive relatively little actual protection and benefits, which is one of the reasons why they are reluctant to continue to pay.
China's medical insurance is not only the NCMS, but also includes employee medical insurance, commercial insurance, etc. Many migrant workers have already paid for the workers' medical insurance after entering the city, and if they pay the NCMS again, it will be equivalent to paying the premiums repeatedly. Even if they pay for NCMS, the final reimbursement ratio may not be able to exceed the employee medical insurance, and there can be no duplicate reimbursement between the two, so some people will give up the duplicate payment.
Expansion: With a large number of rural laborers going out to work, many people choose to go to the city for employment, and at the same time, they will also participate in employee medical insurance according to the requirements of the employer. However, after moving to the city, they still have to keep their original rural household registration and pay the NCMS fees for their families. In this case, they need to pay both employee medical insurance and NCMS fees, and the effect is hardly noticeable. This is a significant additional burden for migrant workers with limited incomes, so they will choose to forgo the NCMS contributions.
The cost of the rural NCMS medical insurance, whether it is the basic overall cost or the individual fee, cannot be cumulatively used, and can only be paid annually, and will be invalid after expiration. Many people feel that the fees cannot be used cumulatively, and they have to pay them every year, and they do not understand that these fees have gone**. Unlike other insurance, such as car insurance, car insurance can at least reduce the cost because there is no accident, while the cost of NCMS is annual**. Therefore, many people can't stand this situation and choose to stop paying NCMS medical insurance fees.
Expansion: For rural residents, the payment of NCMS medical insurance premiums is an annual expense. However, in the rural health care system, these costs are not effectively used and rewarded. What is even more depressing is that these fees cannot be used cumulatively at the end of each year, but need to be paid again, which undoubtedly increases the burden on rural residents. Many people questioned the effectiveness and return of these fees, and thought that such a fee payment system was unreasonable, so they chose to stop paying them.
The ultimate goal of NCMS medical insurance is to reduce the financial burden of patients' families, but in fact, does medical insurance really reduce the burden?Some people believe that there is not much difference between having health insurance and seeing a doctor without health insurance. In hospitals, there are many unnecessary examinations, and no matter what the disease is, a series of examinations are required, as if the condition can only be known by using all the machines. This has led to the serious existence of the phenomenon of machine medical treatment and excessive medical treatment, which is related to the medical skill level of doctors, and also related to the system of medical care based on illness, as well as the medical ethics of doctors and hospitals. So, for those who don't need to use health insurance, why should they pay a fee every year in the hope of getting a benefit?This has also led to the suspension of some people's contributions to NCMS.
Expansion: In fact, in China's healthcare system, the reimbursement rate of medical insurance is relatively low, and the scope and items of reimbursement are relatively limited. Some ** drugs or ** methods, medical insurance does not fully reimburse, which leads to patients still need to pay a high cost. In this case, for some rural residents whose family financial conditions are more difficult, medical insurance cannot really reduce their financial burden. In contrast, there are some diseases with lower medical costs, and they may choose to pay for them themselves instead of paying high health insurance costs. Therefore, the high cost of medical care has also become one of the reasons why some people choose to stop paying NCMS.
However, how many people can understand these ideas of cutting off NCMS?How many people are willing to accept it?As a result, the situation of discontinuation of payment is becoming more and more serious, and it is difficult to achieve results even if village cadres personally come to collect payment. Under the principle of voluntary contributions, why do rural residents choose to stop paying NCMS?Here are five reasons why:
1.Increasing contributions: Rural residents want better health care at a lower cost, but the cost of NCMS is no longer a small problem. Many people think that a few hundred yuan a year is not too much, but the income level of rural residents is too low to pay such a fee.
2.Unable to make effective use of contributions: Many rural residents do not have access to health insurance for a long time, and paying fees is too redundant. In addition, many rural people go out to work for a long time and do not live in rural areas, so it is difficult to use NCMS across regions.
3.Pay duplicate insurance premiums: Many migrant workers have already paid for employee medical insurance in urban areas, and if they pay the NCMS again, it will be equivalent to double payment.
4.Fees cannot be used cumulatively: The fees of NCMS cannot be used cumulatively, and can only be paid annually, and will be invalid after expiration. Many people feel that the fees cannot be used cumulatively, and they have to pay the fees every year, and they don't understand that these fees have gone**.
5.High medical costs: NCMS has a relatively low reimbursement rate and limited coverage and programs. Some ** drugs or ** methods, medical insurance can not be fully reimbursed, resulting in patients need to pay a high cost.
These factors have led many rural residents to choose to stop paying NCMS. However, it remains to be seen whether rural residents will be able to understand these reasons and be willing to accept the discontinuation of contributions.