"Vigorously rectify, welfare again".Since the implementation of the social insurance system in China, this system has provided strong economic support for the general publicIn particular, medical security has played a huge role, which has greatly reduced people's economic pressure.
The social security system for urban residents is becoming more and more perfectIn 2009, China also implemented the New Rural Cooperative Cooperative Insurance, which quickly spread to the vast rural areasEnabling farmers to reimburse the associated medical expenses through this insurance is quite cost-effective for farmers.
However, in the first half of 2023 alone, millions of people stopped paying insurance for urban and rural residents. This phenomenon has aroused widespread attention and discussion from all walks of life, and the phenomenon of "breaking the tide of payment" is becoming more and more severe, so what is the reason for this phenomenon?
Although the number of people enrolled in China's basic medical insurance continues to grow, the problem of farmers not paying for medical insurance is also becoming more and more prominent.
So, why is this happening? We need to be clear: urban and rural residents' insurance is not a mandatory social security program.
The real solvency ratio is low
The data shows that despite the increasing level of individual contributions and state subsidies,The liquidation rate of urban and rural residents' insurance has reached about 70 percent.
However, the real spending of farmers has continued to rise, that is,The amount they actually pay is not decreasing, but increasing.
The insurance system is not working smoothly
First of all, in some areas,The management and service of the social insurance system are not yet fully in place, and the efficiency and complexity of handling related business are low.
For example, the payment and reimbursement process is cumbersome, and there are many procedures required, and the insured often need to run the ** department many times, or fill in a large number of ** online. This inconvenient situation will reduce the motivation of residents to participate in insurance.
Secondly, for residents in rural areas, especially in remote areasThey are likely to lack sufficient understanding of the meaning and benefits of social insuranceThis may be due to limited access to information or a lack of widespread insurance knowledge.
3. Lack of sufficient attractiveness
If the resident is not aware of the financial security and medical security that insurance can provideThen they may not see the need to continue paying contributions.
Urban and rural residents in some areas have led to farmers' understanding and feelings of the significance of insurance participation in the insurance is not in placeSome farmers do not have enough understanding of the medical insurance benefits they can enjoy after paying premiums, and do not have enough confidence to continue to pay premiums.
On the other hand, in some places, the demand for farmers is insufficientSupervision and management are also not strong enough, leading some farmers to ignore the obligation to pay fees.
4. The "continuous rise" of individual payment standards
With the in-depth development of the social security system,The increase in the social security contribution base and rate in individual regions and industries has led to an increase in the burden on individualsFor some groups with low income or high financial pressure, continuous premium payment has caused a certain amount of financial pressure, sometimes even beyond their ability to pay.
There are also some farmers who believe that they are in good health and are unwilling to spend money on medical insuranceAnd they may feel that even if they do get sick, they can solve it in other ways, such as borrowing money or relying on family financial support.
5. Minor illnesses and big doctors
The so-called minor illness and major medical treatment refers to the fact that the medical expenses are unusually high due to various reasons in the case of a relatively mild illnessBehind this phenomenon, there is the shadow of health insurance policies.
When doctors know that patients have health insurance, they may choose the more expensive** option for the patient.
Minor illnesses can be treated in a simple, low-cost way**, but the intervention of medical insurance may allow doctors to provide more high-end medical services for patientsThis includes the use of more expensive medications, more tests and even unnecessary tests, leading to a dramatic inflation of costs.
In the face of such a situation, many people will begin to reflect on whether to continue to participate in medical insurance, because in their opinion, although medical insurance brings a certain amount of financial compensationHowever, in the actual medical treatment, the best plan given often leads to an increase in their personal burden.
Insurance for urban and rural residents is an important part of China's social security systemIt aims to provide basic medical security and old-age security to ensure the basic living needs of the people.
However, for a variety of reasons,More and more people choose to cut off the insurance for urban and rural residents, which has brought a series of impacts to individuals and society
The loss of payment of urban and rural residents' insurance brings risks to individualsBecause urban and rural residents' insurance, as a social security system, is designed to provide protection in the event of an accident or illness.
If an individual chooses to cut off the insurance, in the event of an accident or illness,They will not be able to obtain the corresponding medical and pension benefits, and thus face huge economic risks.
In addition, the loss of insurance payments for urban and rural residents has brought a burden to society. The operation of urban and rural residents' insurance needs certain financial support, and more and more people choose to cut off insurance, which will lead to an increase in the gap of insurance and cause certain pressure on social finance.
The loss of insurance contributions will also lead to the expansion of risks in societyOnce there is a large-scale disease or accident, society will face a greater dilemma.
At the same time, it will also affect the healthy development of the insurance market. The healthy development of the insurance market requires sufficient participation and premium payment, and only in this way can the normal operation and solvency of insurers be ensured.
The discontinuation of insurance for urban and rural residents will lead to a decrease in the number of market participants and insufficient premium paymentThis will affect the healthy development of the insurance market.
So despite the fact that ** in promoting it and providing corresponding subsidies and preferential policies,But it is up to each individual to decide whether or not to join, how to join, and how much to pay.
First of all,The increase in social insurance benefits is the state's direct response to the "tide of broken contributions", with the development of society and the improvement of people's living standardsAs a result, people's requirements for social security have also increased.
As the cornerstone of people's livelihood, the social security system provides comprehensive protection at the same timeThe improvement of its welfare level will help enhance the people's confidence and satisfaction with the social security system.
**By raising the standard of pension payment, narrowing regional treatment differences, and optimizing the reimbursement ratio of medical insuranceContinuously improving the welfare system, these measures are expected to make the social security system more fair and reasonable, and improve people's sense of happiness and security.
Second, expanding reimbursement coverage involves the expansion of health insurance coverage and the inclusion of medicines and medical services.
In view of the current problem that some groups are facing high expenditures because chronic disease drugs and special ** are not covered by medical insuranceBy adjusting the medical insurance policy, the relevant departments will include more drugs and methods in the reimbursement listEspecially for some rare diseases and high costs**.
This not only reduces the financial burden on patients, but also promotes the equitable distribution of medical resourcesAt the same time, by optimizing the reimbursement process and improving service efficiency, we ensure that patients can receive due medical services and financial compensation in a timely manner.
While comprehensively promoting the improvement of benefits and the expansion of reimbursement coverage, it is necessary to consider the sustainability and forward-looking nature of the policyThis requires us not only to pay attention to current social problems, but also to consider the impact of long-term factors such as population aging and industrial structure upgrading on the social security system.
In addition to the national measures in the above two areas,In fact, solving the "tide of disconnection" still requires the joint efforts of the whole society.
**In addition to improving and strengthening social security policies, it is also necessary to enhance the promotion of policy publicity to prevent payment interruptionsFor example, through village committees, agricultural cooperatives, and even the use of radio, television and mobile Internet and other platforms, the state began to carry out comprehensive publicity of medical insurance policies.
Doing so will help increase farmers' awareness of the importance of health insuranceMake them understand that health insurance is not only a benefit, but also an important measure to maintain their own health and that of their families.
It is necessary to strengthen the supervision and management of medical insurance paymentsEnsuring the transparency and impartiality of the system is essential.
To this end, the state continues to optimize the supervision mechanism of medical insurance funds to ensure that the use of every penny is well documented, which can not only combat fraud and fraud, but also improve farmers' trust in the fairness of the system.
Establish more flexible payment methods, including but not limited to adjusting the payment time and method according to farmers' income levels and seasonal work characteristicsProvide farmers with a variety of payment options. For example, payment in installments, late fee waivers or scheduling payments according to the crop harvest cycle can be used.
In order to further deepen the reform of the social security system,**It also focuses on prevention and risk management, with the goal of not only providing relief to the public, but also avoiding potential social risks in advanceto improve the country's capacity to respond to risks.
For example, through the promotion of healthy lifestyle publicity and education, improve public health awareness and reduce the occurrence of diseasesAnd through the establishment of a risk assessment system, timely monitoring and early warning of potential problems existing in the social security system.
In addition to that,In order to further reduce the economic burden on farmers, the state has also begun to optimize the reimbursement processIn particular, the reimbursement policy for common and chronic diseases has been adjusted to make it more in line with the actual needs of farmers.
The state also encourages community medical institutions to play the role of primary diagnosis at the grassroots level and promote the concept of reasonable medical consumptionGuide farmers to use primary medical services when necessary to avoid unnecessary high medical expenses.
In short, through precise policy, innovative management methods, and combined with the overall layout of economic and social developmentWe can look forward to building a more robust social security system that is more responsive to the needs of the times.
To sum up, the "tide of disconnection" is caused by a combination of personal choice and policy and system issues. To solve this problem, it is necessary for individuals and society to work together, including raising farmers' awareness of insurance, optimizing health insurance systems and policies, and improving farmers' economic conditions.
Only through these measures can we ensure the sustainable development of the insurance system for urban and rural residents and achieve the goal of universal health.