Next, let’s talk about the issue of the new rural cooperative medical system clearing every year. Many friends have questions. They pay the New Rural Cooperative Medical Scheme every year, but they have never used it every year. Why do the funds in the New Rural Cooperative Medical Scheme account need to be cleared? In addition, it is not used every year. If you abandon the payment this year, you will lose the qualification to be reimbursed for the New Rural Cooperative Medical Scheme. So what you paid before will not be compensated?
The author checked the relevant information. New Rural Cooperative Medical Scheme is a farmers' medical mutual aid system based on major illness coordination . It raises funds through personal payment, collective support and government funding. The principle of coordinating serious illnesses is mutual assistance and sharing risks. In other words, similar to crowdfunding, everyone injects funds into the pool together. If someone is sick and hospitalized, they will take out funds from the pool and reimburse them according to the proportion. For those who are not sick, the funds are for people in need.
Another example is that for friends who have cars, they know that they have to buy car insurance every year. After buying car insurance, regardless of whether there was any accident in that year, they still have to continue to buy the insurance the next year. Once the insurance period is over, the insurance company will lose its effect and the insurance company will not compensate if there is an accident.
New Rural Cooperative Medical Scheme and auto insurance have great similarities. After buying the New Rural Cooperative Medical Scheme, you can enjoy the benefits of reimbursement during the validity period of the year. Once you abandon the payment, you can only pay for it at your own expense if you are hospitalized again. Think about it carefully, whether it is auto insurance or New Rural Cooperative Medical Scheme, it basically adopts crowdfunding methods. Buying that year is effective in the same year, but not buying that year is invalid, which is similar to clearing the zero.
To put it another way, what will happen if assumes that everyone’s account is not cleared? There is no money in the fund pool. If someone gets sick and is hospitalized, where does the reimbursement come from? Because they are all in their own accounts, they cannot be reimbursed, and a mutual medical assistance system for farmers, mainly based on the coordination of serious illnesses, is not the coordination of serious illnesses, but each saves money. It is equivalent to keeping the money in one account, which cannot be called the New Rural Cooperative Medical Scheme.
In addition, assuming that the account is not cleared, under normal circumstances, the probability of elderly people being hospitalized is relatively high, and the number of times they see a doctor is large, and there is not enough funds in it. The probability of young people being hospitalized is relatively small, and they will not be hospitalized once a few years, and the funds in it remain unchanged. A problem will arise: Where does the money for hospitalization reimbursement for the elderly come from? The money in young people's accounts cannot be moved, and the amount of state subsidies is limited, so it cannot meet the principle of coordinated serious illnesses.
In summary, the mutual assistance system adopted by the New Rural Cooperative Medical Scheme is such a form. Judging from the situation over the years, the idea of not clearing zero is unlikely to be realized. But are there any new changes? Are there new ways to explore?
Jiang Hesheng, member of the National Committee of the Chinese People's Political Consultative Conference and director of Guangxi Ocean Bureau, suggested implementing a step-by-step dynamic charging policy and actively explore ways to cancel the zero-clearing system at the end of the year. According to the suggestions of Director Jiang Hesheng, the author has selected two of the key points to talk to you.
First, actively explore and implement a step-by-step dynamic charging policy. will give a discount coefficient of 0.8-0.9 for people who have purchased the New Rural Cooperative Medical Scheme for two consecutive years but have not used it. If the New Rural Cooperative Medical Scheme is paid in the next year, it will give a discount coefficient of 0.6-0.7. For example, the payment amount in 2023 is 350 yuan, the discount factor of 0.8 is 280 yuan, and the discount factor of 0.6 is 210 yuan.
is actually similar to buying auto insurance. For example, after purchasing auto insurance, if you don’t have any insurance in the first year, you will be given a certain discount in the second year. If you don’t have any insurance in the second or third year, it will be cheaper when you buy auto insurance in the future.
Secondly, actively explore ways to cancel the zero-clearing system at the end of the year. The suggestion says that can accumulate the surplus expenses of the New Rural Cooperative Medical Scheme at the end of the year at a ratio of 20%-30% into the New Rural Cooperative Medical Scheme in the next year. For example, the payment was 320 yuan per person last year. If it has not been used, the 20% ratio accumulates to the next year, which is 64 yuan. This year, the payment was 350 yuan per person, and minus 64 yuan, which is equivalent to 286 yuan, which means that you only need to pay another 286 yuan this year.
I personally agree with the above two suggestions, which not only increases farmers' willingness to pay the New Rural Cooperative Medical Scheme, but will not have a particularly big impact on the New Rural Cooperative Medical Scheme, which focuses on the coordination of serious illnesses. With the continuous development of the New Rural Cooperative Medical Scheme, it is possible that it will be possible to achieve unrealization in the future.
What do you think about this?
