What are the biggest difficulties facing the new type of rural health insurance?

The problems faced by China's new rural medical insurance are as follows:

First, the insured population is uneven, and the willingness of farmers to participate in insurance is not high.

1.The promotion of the new rural insurance is insufficient.

According to a recent survey, the vast majority of farmers have little understanding of the new rural insurance, and although local governments are also publicizing it through meetings and billboards, it still does not have the desired effect for farmers with low levels of education. In the survey, it was found that one-third of farmers were not aware of the policy of the new rural insurance, and more than half of the farmers would not be clear about the payment standard of the new rural insurance**. Most farmers obtain information about the new rural insurance from other people, which makes it difficult to ensure the accuracy of the information, and even distorts the authenticity of the new rural insurance, which in turn leads to low willingness of farmers to participate in the new rural insurance.

2.Farmers in economically poor areas are less willing to participate in insurance.

In the economically underdeveloped remote areas, the living conditions of the peasants are poor, especially some residents living in the mountains in the western region, they lack the economy, it is not easy to support their families, and the pension of 100 yuan a year is a large amount for them, and it is difficult to afford it. Although they can receive the pension allowance issued by the state after the age of 60, they are still reluctant to participate in the insurance due to their poor economic situation. However, in the economically developed central and western regions, the living standards of peasants are relatively high, especially those who have already entered a well-off life, and their willingness to participate in insurance is generally higher in the western region.

Second, the financial investment is insufficient, and it is difficult for farmers to pay fees.

The new rural insurance policy stipulates that the new rural insurance is jointly borne by individuals, collectives and individuals, and implements the principle of "individual payment, supplemented by collective subsidies, and policy support from the state". According to the current economic situation in rural areas, most of the insured people choose the lowest grade of 100 yuan to pay, although the amount of investment is very large, but China's rural population base is large, the average to each farmer is very little, coupled with the lag of rural economic development in some areas, there is no economy, there is a vacancy in collective subsidies, and the pension actually depends on individual payment.

Peasants with a certain economic foundation are willing to participate in insurance, and peasants with poor economic ability are unwilling to participate in insurance, and this has led to the phenomenon of "protecting the rich but not the poor," which is obviously contrary to China's social security system. As a result, it is difficult to raise the level of social endowment insurance for peasants, and it is difficult for social security in rural areas to reach the expected level.

Third, the new rural insurance service resources are scarce.

On the one hand, the new rural insurance covers a large number of rural population, and the workload is also very large, the office equipment required for related work is relatively lagging behind, and the network facilities in some areas are not perfect, which causes great trouble to the information entry of the insured. In addition, the mismatch between individual system settings and actual operation and application has greatly hindered the smooth development of the new rural insurance work. On the other hand, China's urban and rural residents participate in the new rural insurance mainly through postal savings, agricultural banks, construction banks and other financial institutions to pay premiums and receive pensions.

However, most of these banks are distributed in urban areas, and only the Postal Savings Bank and the Agricultural Bank can reach out to the rural areas, and there are very few outlets, and a considerable number of towns and villages do not have special payment outlets at all, which has also brought a lot of inconvenience to the development of the new rural insurance work.

At present, the main problems faced by urban and rural residents' medical insurance are that the premiums are increasing every year, and many people are already a little unable to afford them. The phenomenon of grassroots hospitals arbitraging medical insurance** occurs frequently. Many hospitals that can be hospitalized without hospitalization will be allowed to be hospitalized, which will take the country's medical insurance**.

There are some problems in the "medical insurance" that is now being implemented, which deserve to be seriously studied by the departments concerned in order to facilitate the medical treatment of those who participate in the "medical insurance."

First, it is difficult to reimburse the medical expenses of people living in other places. At present, there are not a few retirees who return to their hometowns to settle down or live in other places with their children, and they generally seek medical treatment in their places of residence, but it is very inconvenient for them to reimburse their expenses. First, Dacheng cardholders, due to the congenital insufficiency of medical insurance cards, can only be used within the Dacheng District.

Once out of the city, there is no place for it in other cities inside and outside the county or province. Once people living in other places get sick and can't use their cards, they either go back to Dazhou for medical treatment, or go back to Dazhou to purchase medicines, otherwise they have to pay out of their own pockets. For non-local personnel who do not have a card, the method of "seeking medical treatment in other places, self-payment of expenses, and year-end reimbursement" is still followed.

Due to old age and illness, the large amount of advance payment, and the long reimbursement time, these veteran comrades have invisibly caused economic pressure.

Second, the reimbursement standard for outpatient medical treatment is too low. The salary of retirees is not high, and in recent years, the salary level of retirees has been continuously increased, and the level of medical expenses has increased accordingly, but the increase is not large. At present, according to the wage standard of employees, the employer and the individual pay 6% and 2% of the individual salary respectively, and the retiree is paid by the unit, and the personal account is only 4%.

According to this standard, taking the average monthly salary of 1,500 yuan as an example, the balance of personal accounts is only about 450-600 yuan for the whole year. Retirees are old and frail, easy to get sick, and the cost of seeing a doctor and taking medicine is very expensive, plus the cost of drugs cannot be reimbursed, this outpatient fee has become a "drop in the bucket", it is difficult to solve the dilemma of difficult to see a doctor and expensive medicine.

Third, the reimbursement procedure for special outpatient expenses is complicated. The first is that the publicity is not in place, so that many patients do not know about the preferential policies and bear high costs for a long time. Secondly, the declaration procedures are complicated, and there are many hospital inspection items, which is expensive.

Thirdly, after applying for approval, they also get the medicine at the designated store to get the drug price, and the drug price is very inconvenient, and it is very inconvenient for people living in other places.

The above problems are mainly related to policy issues, and there is a process to solve them, but some problems are only technical problems that can be solved with little money. For this it is recommended:

1. Implement the method of "credit card" for reimbursement of medical expenses, and establish a network of medical insurance cards with counties and cities inside and outside the province as soon as possible, so as to realize "one card in hand, medical treatment anywhere", so as to facilitate employees to seek medical treatment.

2. If financial resources are possible, appropriately raise the standard of reimbursement of medical expenses, so that people can afford to get sick and take medicine, especially so that old comrades can spend their old age in peace.

3. For the reimbursement of special outpatient expenses, the increased expenses should be credited to the personal account, and the regulations on taking medicine at designated points should be abolished, so as to make it convenient for veteran comrades to seek medical treatment.

China's new rural medical insurance faces problems: the level of rural security is low; Insufficient investment in rural areas, a large gap between urban and rural areas, and a serious phenomenon of "poverty due to illness"; The new rural cooperative medical system has major shortcomings. Overcome:

Increase medical investment in rural areas, narrow the gap between urban and rural areas, increase policies to benefit the people, and drug reimbursement programs.

China's agricultural population accounts for the total population of the country, and only 12 out of 100 people in rural areas enjoy commercial or social medical insurance to varying degrees, compared with 54 in large and medium-sized cities. Since the social security reform was formally implemented in 1999, 10,000 people have benefited so far, nearly 65 percent of whom are urban enterprise workers and retirees, while the social security rate enjoyed by peasants is extremely low, and the coverage rate of the social insurance for serious illnesses, which is the largest coverage among all kinds of commercial and social insurance, is less than 20 percent. Moreover, 79 percent of the peasants in the rural areas pay for medical care at their own expense, and the level of social security is low, and it is far from enough for China's social security to be carried out only in the cities, so that the vast number of peasants can enjoy social security is one of the important links in China's economic construction.

For a long time, there has been an imbalance in the allocation of urban and rural health resources in China, accounting for 70% of the country's rural population, but only 30% of the health resources. Rural medical insurance funds are seriously insufficient. With the development of the rural tax and fee reform, local finances are tight, and the collective economy of many villages is running out, subsidies for rural health institutions have been reduced, and rural health resources will be even more scarce.

At present, in the vast rural areas of our country, the supply of medical services is gradually marketized, the self-financed medical system is still dominant, the cost of rural medical services continues to be high, "poverty due to illness" and "difficulty in seeking medical treatment when sick" are no longer accidental phenomena in rural areas, and farmers have hidden worries about medical treatment. In recent years, the rise in peasants' medical expenses has exceeded the increase in peasants' actual average income. Many peasants can no longer afford the ever-increasing medical expenses, forming a general situation of "minor illnesses are delayed, but major illnesses are resisted".

There are conspicuous contradictions in China's rural medical and health security, and it is necessary to reform the rural medical insurance system, otherwise the rural medical and health work, such as family planning, the management and control of infectious diseases, and epidemics, will face serious challenges. A large number of theoretical studies and practical experiences have shown that it is imperative to establish a new type of cooperative medical insurance system in rural areas.

Summary. The problems faced by China's new rural medical insurance are as follows: 1. The insured population is uneven, and the willingness of farmers to participate in insurance is not high

A recent survey showed that the vast majority of farmers have little understanding of the new rural insurance, and although local governments are also publicizing it through meetings and billboards, it still does not have the desired effect for farmers with low levels of education.

Just how to overcome it.

Worry. The problems faced by China's new rural medical insurance are as follows: 1. The insured population is uneven, and the willingness of farmers to participate in the insurance is not high

In a recent survey, the vast majority of farmers have little understanding of the new rural insurance, and although the local government is also publicizing it through the propaganda of the meeting and the establishment of propaganda columns, it still does not have the expected effect for the less educated agricultural survey people.

How do I overcome the answer.

Hello dear! The local ** should communicate more with the farmers....Let people know about the benefits of health insurance....Let people experience the affordable measures of health insurance....

Because the farmers' awareness of insurance is not very strong, they feel that paying medical insurance is a waste of money, so some farmers are unwilling to pay.

Because these farmers don't think they will get sick, they think they are in good health, and it's a waste of money to pay for health insurance.

It may be because these farmers don't think there is anything good, and they don't think that they will be reimbursed for medical insurance, but like these farmers, they just can't read and don't understand culture.

(3) 29,000 yuan.

Let the actual medical expenses be y, and the reimbursement amount of more than 20,000 is x, that is, the out-of-pocket medical expenses of more than 20,000 are also equal to x

Formula 1: 5000 30 + (20000-5000) 40% x 17000 y

Equation 2: 17000-(5000-5000 30)-15000-15000 40%) x

Derived from x 4500, y 29000

÷30％=600

30 + (x-5000) 40 3 analysis shows that the cost is greater than 20000 yuan, let the cost of y yuan, then 17000 = 5000 (1-30) + 15000 (1-40 ) + y-20000) (1-50), the solution is: y = 29000

That is, the actual medical expenses of the farmer in the current year totaled 29,000 yuan.

What is it??? Not sure what you're asking.

Is this a question from the Medicare Center or some other exam???