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With the rapid development of society, people's requirements for quality of life are gradually increasing, and the importance of insurance has gradually attracted attention. Although the value of insurance is not always immediate, the universalization of social security has become the norm, because insurance is like a lifesaver for people in times of crisis.
Rumors have recently spread that the payment system of the new agricultural cooperative will undergo a major adjustment, that is, from capitation fees to households. How true is this policy and will it have a significant impact on farmers' contribution schemes? Let's dive in.
The new rural cooperative medical care, or new type of rural cooperative medical care, is a system that aims to establish a system based on the overall planning of serious diseases and provide medical security for the people. This is essentially consistent with common health insurance. Under normal circumstances, the annual payment amount is about several hundred yuan, and the insured can enjoy up to 70% of the reimbursement of serious illness medical expenses, which can be said to be a very cost-effective choice.
It is undeniable that everyone faces death, and in rural areas, cases of poverty due to disease are not uncommon. The launch of the new agricultural cooperative first solved the problem of expensive and difficult medical treatment. Farmers only need to bear a small part of the medical costs, and most of the costs will be borne by the government, which makes farmers no longer have to worry about medical costs.
Secondly, the implementation of the new agricultural cooperation reflects the progress of the government system and is a big step in promoting rural development. It has established a rural medical security system, narrowed the gap between urban and rural development, and played a positive role in promoting urbanization.
Most importantly, the new agricultural cooperation system makes farmers the guardians of their own health, guides them to invest rationally in health, and understands that investing in health is the principle that it is a sure profit.
However, it is said that in 2023, the payment system of the new agricultural cooperative will change, including the shift to household-to-household payment and possible price increases. Although the price increase will not be too large, at most tens of yuan, the ensuing benefits will gradually increase.
Payments are usually made once a year, roughly between September and December. Last year, due to the pandemic, many people went out to work, and it was difficult to return home due to restrictions such as quarantine and lockdown. Therefore, the payment period has been extended to ensure that people can enjoy the medical benefits of the new agricultural cooperative normally.
During the annual payment period, village officials usually go door-to-door to persuade unpaid residents to make contributions to ensure that every farmer can enjoy the government's medical benefits and achieve medical security. It should be noted that the new agricultural cooperation policy is based on the voluntary principle of providing medical facilities and preferences, which also contributes to the government's economic development and social progress.
However, because some people lack sufficient risk awareness, they often think they are healthy and do not need to pay this fee, so they choose not to participate in the new agricultural cooperation. Based on this situation, the reform option of household payment has been proposed.
The National Health Insurance Administration also responded to this, saying that although household payment can increase the participation rate to a certain extent and promote social and economic development, it is not conducive to families with elderly people, and it also violates the principle of voluntariness. In addition, household-to-household payments may lead some migrant children to choose local health insurance policies, which in turn raises the issue of medical treatment or medical insurance transfers. If these accounts cannot be combined, there will be duplicate payments and it will be relatively cumbersome to process.
In general, the household-to-house policy has not yet been fully implemented, so people can put their concerns aside for a while. However, the benefits of the new agricultural cooperation to individuals and society are self-evident. People can choose the most suitable way to enroll according to their situation.
To improve the welfare of farmers, we cannot rely only on persuading the uninsured, let alone adopt the method of compulsory insurance. On the contrary, it is necessary to fundamentally improve the welfare measures of the new agricultural cooperative cooperation, including increasing the reimbursement ratio, expanding the scale of medical services, rationally allocating medical resources, improving the level of medical treatment and reducing the cost of medical treatment, so that people can realize the real benefits brought by the new agricultural cooperative for daily medical treatment, so as to actively participate in the national new agricultural cooperation policy.
The overall goal of the new agricultural cooperation policy is to avoid illness
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