After the "tide of broken diplomatic relations" of the new agricultural cooperative, the new agricultural insurance also "met with cold"? The reason is real
At present, the elderly population aged 60 and above in the mainland is 264 million, accounting for 18.7%. Therefore, the responsibility for the pension is very large, and the amount of the pension is adjusted every year. Today, the "18 consecutive increases" of pensions have almost no suspense, and this year's pension increase is about 3%, and a new era of "personal pensions" is about to open.
By the end of 2021, the pension of mainland retirees has achieved 17 consecutive growths. From 2018 to 2020, the growth rate for three consecutive years was as high as 5%, and the growth rate in 2021 was adjusted to 4.5%.
In order to meet the needs of different groups of elderly care, since 2021, the regulatory authorities have introduced a series of measures.
For example, exclusive pension insurance pilots, pension financial management pilots, etc., to establish a diversified pension model and improve pension insurance management capabilities. At the same time, government departments are exploring the personal account system and establishing a personal pension system supported by policies such as taxation. In this way, those who participate in the basic old-age insurance can get an individual accumulation pension account.
Even friends who have not paid social security for 15 years have various ways to make up for it. At the same time, more and more people enjoy social security rights, and social security card holders can even achieve "one card". By the end of 2021, the number of holders of social security cards in the mainland has reached 1.352 billion, accounting for 95.7% of the total population of the country. However, for rural residents, not only has there been a "tide of severed diplomatic relations" of the new agricultural cooperative, but the new agricultural insurance has also ushered in the "winter".
With the development of society, the mainland has long realized the importance of social security. In order to alleviate the pressure on farmers to see a doctor, live, and provide for the elderly, a series of measures have been implemented in rural areas. Among them, the new agricultural insurance is somewhat similar to medical insurance, and the new agricultural insurance is similar to endowment insurance, and it is no exaggeration to say that the implementation of the new agricultural insurance has broken the situation that farmers have no old-age security.
For the new agricultural cooperative, people in the countryside are familiar with it, but unlike medical insurance, this insurance only needs to pay once a year. From the perspective of the overall reimbursement ratio, the reimbursement ratio of the new agricultural cooperative was about 60%. According to the Health Insurance Bureau, by 2020, the proportion of urban and rural health insurance hospitalization costs has increased to 70%, that is, it costs less money to see a doctor than before.
Moreover, the mainland's medicare drug list has been adding drugs.
In December 2021, in the 2021 Drug Catalogue, there were as many as 2860 kinds of proprietary Chinese medicines and Western medicines. With the continuous improvement of the new agricultural cooperative and the new agricultural insurance system, farmers should participate more actively in these welfare policies. However, based on the actual data of these years, many people have cut off the payment, why is this?
The fees required to pay for the new agricultural cooperatives vary from region to region, and the costs of participating in the new agricultural cooperatives are also rising as the economy develops. Today, the price of the new agricultural cooperative has increased to 320 yuan. In fact, according to the current charging standard, 320 yuan is acceptable for most rural families, but it is a bit high for some families who are not very rich in economic conditions and have a large number of families.
The average rural family has at least 4 people, which needs to pay thousands of yuan a year, not to mention poor families, who simply cannot afford this cost. Coupled with a number of other factors, many people have given up on direct payments. In addition, many young people believe that it is better to put money in their own hands than to pay for policies.
And in many cases, many villagers only need to buy some medicines when they get sick, and do not need to be hospitalized. Many young people feel that they have little opportunity to go to a major hospital, so they will make some investment while saving this cost, or use it for the living expenses of the family, saving this money. As a result, more and more people are cutting off the payment of new agricultural cooperatives. So, what is the situation for the new agricultural insurance?
For the social security of urban workers, people with rural or non-agricultural hukou can participate in insurance, but the new agricultural insurance must meet the rural hukou, the purpose of which is to provide greater help for the lives of rural residents. However, as with ordinary pension insurance, the higher the payment base, the more money you will receive in the future. If the new agricultural insurance pays 500 yuan per year, how much money can it get in 15 years?
If you pay 500 yuan of new agricultural insurance every year, you can get a basic subsidy of 65 yuan per month. But in addition to this part, people can also get the interest subsidy of the account, so in general, a person can get a pension of about 120 yuan per month. If it is in the city, a hundred yuan may be spent on a meal. Therefore, many people feel that the money is too small, either directly do not pay, or pay enough 15 years to reach the threshold of collection and do not pay.
However, since the mainland has launched the new agricultural cooperative and the new agricultural insurance, it is naturally for the sake of rural residents. Although temporarily forfeiting payment can save a lot of money, if you really have a serious illness in the future, the cost of hospitalization will be very high. For urban workers, medical insurance is only a part of social security; for farmers, the new agricultural cooperative is the rural version of medical insurance, which is the guarantee of the future body.
Moreover, the new agricultural insurance is also divided into many grades. If the economic conditions are relatively good, you can choose a higher payment level, so that the pension will be higher. However, if the economic conditions are relatively weak, you can also choose the corresponding level according to your actual economic situation. For rural residents, it is still very necessary to pay this money.
The key is that as the state attaches great importance to rural development, the new agricultural cooperative and the new agricultural insurance system as a system to protect the basic rights and interests of farmers are also constantly being adjusted. The older you get, the physical fitness will inevitably decline, and if you can't guarantee that you have enough pension, it's best to buy yourself a guarantee. Whether it is the new agricultural cooperative or the new agricultural insurance, it is very beneficial to the future life, and the money that should be spent still has to be spent, do you think?
