2024 Rural NCMS fees and deadline updates, do you still plan to continue to pay?
2024 Rural New Farmer Premium Rate Deadlines and Fees.
An overview of the conditions and costs of the new rural rural insurance.
2024 is coming, which also means that the 2024 rural CNS medical insurance collection is coming to an end. Rural CNS collection has become a burden for many families, and for rural families, many families are faced with the question of whether they should continue to pay for health insurance due to the high and constant cost** and the impact on health care.
Deadline for payment of new rural insurance in rural areas.
In most areas, the current notice of medical insurance payment for urban and rural areas stipulates that the deadline for medical insurance payment in rural CNS is generally December 31. This means that there are more than 20 days left until the deadline for paying medical insurance premiums. The specific situation and deadline may vary slightly from region to region, but in general, most areas will complete the collection task in December, so village cadres should strive to achieve an overall increase in the insurance participation rate through door-to-door reminders.
Diversity in medical costs in rural NRHM.
The diversity of NCMS costs has also caused confusion for participating households. Although the National Health Insurance Administration stipulates that the normal payment standard for NCMS is 380 yuan per person per year, the specific payment standards vary from region to region, and even between different cities and counties in the province. In recent years, the normal contribution of the new rural cooperative medical insurance in most areas has exceeded 400 yuan, and in some areas it has even exceeded 600 yuan or 800 yuan per person. In addition, the amount of contributions per household also varies depending on the number of family members, with some families paying around 2,000 yuan per household, while others can pay as much as 3,000 yuan or even 4,000 yuan.
Problems and options arising from the cost of rural insurance in NRHM.
The high cost of NCMS is undoubtedly a major problem for rural families. For the most backward areas, these fees are indeed very high, and many families choose to stop paying NCMS because of unaffordable economic conditions. However, it should be noted that not paying the NCMS fee means that the medical expenses for the whole year of 2024 will be paid in full, and the convenience of reimbursement will not be enjoyed. If a major illness occurs during the year, the medical bills can become very significant, so many families will do their best to cover these costs despite the difficulties.
Policies to promote and sustain new types of rural agricultural cooperatives.
The issue of NCMS payment is not only related to the vital interests of the villagers, but also a major matter in the work of the medical insurance department and village cadres. All localities attach great importance to the participation rate of NCMS, and generally require the participation rate to reach more than 95%, which means that if villagers do not pay, village cadres must actively work to encourage villagers to participate in insurance. In some villages, in order to achieve the participation rate, villagers who pay medical premiums within a limited time can also get a sum of money, such as a subsidy of 100 yuan or 200 yuan per person. In addition, some villages will also promote payment through door-to-door collection, policy publicity, etc.
Three categories of people are exempt from paying the fee.
In the NCMS medical insurance, there are three categories of people who are exempt from paying fees. The first category is the severely disabled, because they cannot take care of themselves and have no work income, they often have to rely on others to take care of them and live on financial subsidies, so they are exempted from the personal contributions of severely disabled people through financial subsidies. The second category is the elderly, with the growth of age, physical function gradually declines, unable to engage in labor activities, due to the relatively limited pension level of the elderly in rural areas, many areas for the elderly over 70 years old are exempt from the NCMS individual contributions. The third category is rural families in difficulty, including five-guarantee households, low-income households and other families in difficulty, who cannot afford the cost of medical insurance because they have no income**, and they are given appropriate care.
Reflections and conclusions.
The collection of NCMS medical insurance fees has brought many problems and choices to rural families. Faced with high health insurance costs, rural families have had to compromise between food and clothing difficulties and health care. In the case of individual households, they may choose to reduce their contributions to NCMS due to financial difficulties, good health of family members, or frequent travel abroad. However, the issue of NCMS payment also means that medical insurance service providers and village-level staff are under pressure, so all localities are trying to increase the participation rate. In addition, in order to reduce the burden on families and better take care of vulnerable groups, the reform of the NCMS medical insurance system is gradually being promoted, and the severely disabled, the elderly and families with living difficulties are exempted from paying NCMS medical insurance premiums. However, whether or not a family chooses to continue to contribute to Medicare is still a subjective issue that must be weighed and decided on a case-by-case basis for the family.
In short, in the face of the collection of medical insurance by NCMS, peasant families are faced with problems and choices. Each family should decide whether to continue to pay health insurance premiums according to their own current situation. At the same time, ** and relevant departments must further optimize the medical insurance policy, reduce the economic burden of rural households, and better protect the medical needs of rural households. Only through joint efforts can the new rural cooperative medical insurance system provide reliable medical security for the vast number of farmers.