In rural areas, NCMS is a "savior" of life, originally designed to solve the problem of difficult and expensive medical treatment, and to ensure that everyone can enjoy basic medical security. But as standards continue to grow, some families may feel like it's a big burden. However, the good news is that in the past two years, our country has strengthened the rescue and assistance policy, especially in the medical field, and implemented differentiated assistance and funding policies for different groups. If, judging from the policies of various localities this year, there are two categories of people who can pay with pocket money, and there are four types of peasants who can greatly reduce their burdens, everyone must pass on this message to each other.
First of all, let's talk about the payment standard of NCMS this year. According to the latest policy, the payment standard for NCMS medical insurance is 380 yuan per person per year, while the financial department will subsidize 640 yuan, and the total financing standard is set at 1,020 yuan. This standard is the product of a combination of financial and personal burdens on the State to ensure that the basic medical needs of rural residents are met.
1. Two categories of zero burden
First of all, it is the five-guarantee household. This refers to the elderly, disabled and minors in rural areas who are unable to work, have no livelihood, have no legal obligation to support them, or even if they have legal obligations, the other party has no ability to support them. These special groups do not need to pay for NCMS, and they can enjoy preferential programs such as exemption from ordinary ** fees, exemption from hospitalization deposits, and free physical examinations in designated medical institutions.
Secondly, there are orphans, which needless to say are also exempt from contributions.
2. 4 categories of people can be exempted
1. Rural subsistence households
Subsistence allowance households refer to those rural households with low incomes who need to rely on the subsistence allowance provided by the local government. This group can enjoy the policy of reducing or waiving the fees of NCMS. For example, in Chengde City, Hebei Province, 90% of the cost of the NCMS is subsidized for subsistence allowance recipients, and individuals only need to pay 38 yuan.
2. Rural extremely poor households
Extremely poor households refer to households with low household income but do not meet the subsistence allowance standard, and such families can also apply for exemption or exemption of NCMS fees. Hunan Province stipulates that for families on the verge of subsistence security, 50% of the subsidy will be provided, and individuals only need to pay 190 yuan.
3. Severely disabled persons in rural areas
This group includes intellectual, physical, and visual disabilities of the first and second grades, who usually need the care of their families and have a difficult life due to the loss of their ability to work. For these severely disabled people in rural areas, they can also apply to enjoy the policy of reducing or exempting the fees of the new rural cooperative system. By appropriately reducing or exempting the fees of NCMS for these severely disabled people, it not only reflects the humanistic care of the society, but also provides them with more convenience in life.
4. Rural people who are vulnerable to returning to poverty that have not been eliminated
These people have just been lifted out of poverty, their incomes are not stable enough, and their economic foundation is relatively weak. If they are required to pay the full amount of NCMS, their quality of life will be greatly affected. Therefore, for these rural people who are prone to return to poverty, they can apply for a reduction or exemption of NCMS fees. In Chengde, Hebei Province, for example, people who have just been lifted out of poverty can receive 70% of the subsidy, and individuals only need to pay 114 yuan for the NCMS. Such policies are designed to better support this group and ensure that they also receive the help they deserve in terms of health care.
Finally
Regardless of the premiums of NCMS**, it is still a medical insurance system that provides important medical protection to ordinary people. For most people, it is essential to have such a guarantee.
Therefore, it is recommended that if you can afford it, try not to interrupt your payment. Even if you are in financial difficulty, you can find out if you are eligible for a waiver or no payment, and strive to get a medical insurance for yourself. NCMS