In 2022, the individual payment for rural cooperative medical care will increase to 350 yuan, what i

The reimbursement rate for hospitalization has been increasedMedical insurance co-ordination** Expenditure expenses have increased, ** prices ** The cost of medicine has increased, these are all ruralCooperative medical careReasons for the price increase。Rural cooperative medical care is for rural villagers.

This kind of policy is limited to rural villagers, mainly to alleviate the problem of villagers' difficulty in seeing a doctor. Although the annual increase is only 20 to 30 yuan, it is also an expenditure for rural families, especially large families, which adds up to a lot of expenses and brings a certain burden to families. In fact, compared with employee medical insurance, the individual payment part of rural cooperative medical care has been very small, and there is a reason for the annual price increase.

We all know about NCMS.

At the beginning, the reimbursement rate was 50%, but later the reimbursement ratio rose to 60%, which is a great thing for rural residents. For example, in the past, 10,000 yuan could be reimbursed 5,000 yuan, but now 6,000 yuan can be reimbursed, and this reimbursement will increase the overall expenditure of medical insurance, and the financial subsidy will subsidize most of the expenditure, but the villagers also have to pay a small part, which is the reason for the price increase.

Another reason is the price **, in the past, I thought that 100 yuan was a lot, but now 100 yuan is very little, this is the difference. Prices are all in **, everyone's salary income is also in **, in this case medical insurance charges are also normal, is an inevitable trend, but also shows that everyone's living standards are improving.

In fact, while the growth of individual contributions, financial subsidies.

is also growing, we can not only see their own extra dozens of yuan, but also see the policy behind the people. For example, the increase in reimbursement ratio and the improvement of medical insurance treatment are all good things for the benefit of the people.

It is to better protect people's reimbursement, to improve the interests of the people, to alleviate social pressure, to cooperate with China's medical model, and to increase medical reimbursement.

The main reason is to be able to protect everyone's life and let everyone live a better life, so there is such a policy.

Because the scope of reimbursement is constantly expanding, and the cost of medical technology is getting higher and higher.

NCMS announced in 2022.

Individual payment is ** again, and each person's payment has increased to 350 yuan, so why is the price increasing every year?

1. The scope of reimbursement is constantly expanding, so it needs to be compensated for by price increases.

For rural cooperative medical care.

In addition, the medical insurance catalog is constantly expanding every year.

That is to say, the scope of reimbursement is constantly expanding, from the previous reimbursement for only some common diseases, to many rare diseases.

It has also been successfully incorporated into the medical insurance, and the number of drugs included in the medical insurance is also increasing, so for the patient, if he suffers from a serious disease in the year, then in this case, the medical insurance can also be used to make a large amount of reimbursement, which can greatly reduce the medical burden of farmers, so as to avoid the occurrence of large-scale cases of poverty due to illness in rural areas. <>

2. Medical technology is constantly improving, and the cost is constantly being spent.

With the continuous improvement of medical technology, new medical devices and professional diagnosis are also constantly improving, then it means that the country needs to pay for medical expenses is also expanding, then our country's significance is also very tight every year, so in this case, I hope to achieve a new dynamic balance through a small range of rural cooperative individual contributions, and in this way to ease the tension of medical insurance funds as much as possible, For the healthy and sustainable development of China's medical and health undertakings.

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3. The per capita income level continues to rise, and the tide of medical security rises.

Medical insurance is closely related to the entire economic development of our country, and medical insurance is also linked to financial expenditure, although each of us pays the cost advantage, but this also means that the state provides us with more protection, and the funds for this guarantee are also allocated from the country's financial expenditure, so in this case, medical insurance funds will also appear to a certain extent ** to meet the economic development of our country. <>

The main reason is that inflation has become the norm, inflation has existed for a long time, and it is unrealistic for the medical insurance payment standard not to rise.

In 2022, the medical insurance benefits of NCMS have been increased, most notably the reimbursement rate for hospitalization has increased from 50% to 60%. Didn't some people complain that the reimbursement rate was too low in the past, but this time it has been raised.

Because there are many elderly people, the country's medical burden has increased, so they have to overcharge.

Prices are fast.

The new type of rural cooperative medical care (hereinafter referred to as "NCMS") refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties, and mainly based on the overall planning of serious diseases. It raises funds in the form of individual payment, collective support and funding.

In October 2002, China made it clear that all levels should actively guide farmers to establish a new type of rural cooperative medical system that focuses on the overall planning of serious diseases. In 2009, China made an important strategic plan to deepen the reform of the medical and health system, and established the status of the new rural cooperative as the basic medical security system in rural areas.

On January 29, 2015, the National Health and Family Planning Commission and the Ministry of Finance issued a notice on doing a good job in the 2015 new rural cooperative medical work, proposing that the per capita subsidy standard for the new rural cooperative medical system at all levels will be increased by 60 yuan on the basis of 2014 to 380 yuan.

In 2017, the per capita subsidy standard for NCMS at all levels was increased by 30 yuan on the basis of 2016 to 450 yuan, of which: ** The new part of the government will be subsidized according to the proportion of 80% in the western region and 60% in the central region, and a certain proportion of subsidies will be provided to each province in the eastern region.

On the basis of 2016, the standard of individual payment for farmers will be increased by 30 yuan, and in principle, the national average will reach about 180 yuan. Explore the establishment of a stable and sustainable financing mechanism commensurate with the level of economic and social development and the affordability of all parties.

Answer: Whether it is employee medical insurance or resident medical insurance (NCMS is now called this name), it is rising every year, and this payment standard is calculated according to the average local salary of the previous year. Because the salary is counted every year, this premium is also every year.

Question: Where did the money go for the medical insurance that was paid once.

Unemployed peasants have no income ** raise wages?

Unemployed peasants have no income ** raise wages?

Question: Does a high income help a low-income person pay money?

The price increase of NCMS is due to the shortage of medical resources and the rising cost of medical care, so the premium of NCMS will be appropriately increased.

Moreover, while the premium increases, the medical insurance reimbursement and treatment that can be enjoyed are also higher, which can also be said to be an upgrade of protection. It is also in order to narrow the gap between the NCMS medical insurance and the employee medical insurance, while the payment cost is rising, the subsidy payment of the Ministry of Finance is also the most cost-effective choice, so the NCMS participation in medical security is still the most cost-effective choice, for low-income people in rural areas.

NCMS is currently the one with the lowest payment cost in our medical insurance system, and it is also the most inclusive basic medical security suitable for most rural groups. Our medical security system is divided into employee medical insurance and urban and rural residents' medical insurance, and the NCMS has been merged into the urban and rural residents' medical insurance.

On January 12, 2016, the "Opinions on the Integration of the Basic Medical Insurance System for Urban and Rural Residents" was issued, which has merged the basic medical insurance for urban residents (referred to as the medical insurance for urban residents) and the new rural cooperative medical care (referred to as the New Rural Cooperative Medical Insurance) into the "basic medical insurance for urban and rural residents". In other words, rural cooperative medical care is now called basic medical insurance for urban and rural residents, and there is no longer a distinction between urban and rural areas.

The basic medical insurance for urban and rural residents has been ** in recent years, and it will be **30 yuan in 2021. The reason why the basic medical insurance for urban and rural residents has been the best is mainly because the reimbursement coverage is getting larger and larger, and the scope of medical reimbursement is getting wider and wider. The essence of basic medical insurance for urban and rural residents is personal financing + state investment, which is a kind of welfare insurance.

It is precisely because of his "welfare" that the basic medical insurance for urban and rural residents must take care of more people and ensure the health of more people, so the scope of medical insurance reimbursement has gradually expanded, which has also increased the number of beneficiaries and helped more people in need.

The reason why the speed is fast now and the payment is higher in the past is mainly because the payment was relatively small in the past, and the reimbursement ratio and reimbursement diseases were relatively small. The essence of medical insurance is that everyone pays money to form a "fund pool", who does need to be reimbursed, will want to be inclined, and the need for reimbursement needs "conditions", before the medical reimbursement conditions were harsh, the reimbursement ratio and scope were relatively low, so the funds needed were relatively small, but now the reimbursement conditions are less, the reimbursement ratio and scope have increased, and the natural "fund pool" also needs more money.

In short, the basic medical insurance for urban and rural residents is a kind of welfare medical insurance, he not only does "I am for everyone, everyone is for me", but also an important safeguard measure for the health of the people, so actively pay medical insurance, whether it is for the individual, or for the country, it is a good thing for the country and the people.

NCMS is one of the most important basic medical insurance in China, and people who do not have employee medical insurance will buy a copy of NCMS, and they can be reimbursed for hospitalization when they are sick, and the reimbursement is not small, just pay once a year, but the cost of NCMS has always been the focus of debate, and everyone is saying that the premiums of NCMS are getting more and more expensive, why is this?

Why is NCMS rising every year?

The reimbursement treatment of NCMS is increasing every year, including common chronic diseases such as diabetes and hypertension into the outpatient reimbursement, and increasing the reimbursement ratio of serious diseases, while the premium has only risen by a few dozen a year, which is actually very cost-effective for the insured.

Prices and medical raw materials, this is the most intuitive phenomenon, the same thing is different every year, most of them are to the first price, and the annual cost of our employee medical insurance is actually in the first month, but the cost of the first is spread over 12 months, so everyone's feeling is not so strong.

The NCMS premium is indeed every year, but in general, the insurance cost is not expensive, a few hundred yuan a year, if you are not sick, you are happy, after all, if you are sick and hospitalized, even if you are reimbursed, you still need to pay a lot of money yourself, if you are really sick and hospitalized, the money that can be reimbursed is far higher than the premium you paid.

The reason for the premium of NCMS is as above, if the people who are really in difficulty and cannot afford to pay NCMS, the government has corresponding subsidies and help, and it is proved that it is indeed difficult for them to pay for themselves, ** to pay you in full, and you can also enjoy medical insurance reimbursement when you are sick, and people who have this need can consult the local village committee and social security department to understand the specific handling policies.

The latest good news about NCMS:

You can be reimbursed across provinces, as long as you upload your insurance information to the Internet in a timely manner, the hospital of the hospital is a designated institution, then you can directly reimburse across provinces when you seek medical treatment.

The reimbursement ratio is stable at about 70%, simply put, you only need to pay 30% of the expenses of hospitalization, and all other expenses can be reimbursed by the state for you, for example, if you are sick and hospitalized, you spend a total of 5,000 yuan, then you only need to pay 1,500 yuan, and the state bears 3,500 yuan for you, which is not very cost-effective compared to the hundreds of yuan you paid in premiums.

To put it simply, cooperative health care is due to the following factors:

1. At the beginning of the establishment of cooperative medical care, the reimbursement scope was mainly inpatient and general outpatient expenses, etc., and now the reimbursement scope includes the outpatient special diseases and chronic diseases with high costs such as radiotherapy and chemotherapy for malignant tumors, and day surgery expenses, so the reimbursement scope is expanding year by year, the reimbursement level is also steadily increasing, and the payment amount is also increasing year by year;

2. With the improvement of the scope and level of cooperative medical reimbursement, the reimbursement of medical expenses that can be obtained by the participating personnel is also gradually increasing, the demand for medical treatment has been released, and the overall number of medical visits and the number of people who need to be reimbursed have increased greatly, so the demand for cooperative medical reimbursement funds will naturally increase;

3. With the increase of residents' income and the improvement of cooperative medical reimbursement policies, participants are more willing to choose large hospitals when seeking medical treatment. For the same disease, the cost of hospitalization in provincial and municipal hospitals** is often several times that of township health centers, and is also significantly higher than that of county hospitals.

4. With the progress of medical technology, as well as the improvement of the service level of software and hardware facilities of medical and health institutions, and the materials required for medical services (including medicines, consumables, water and electricity, etc.), medical expenses are also the same as other consumer goods, and there is inevitably a trend of year by year. However, under the project-based payment (i.e., actual reimbursement) method, the medical expenses will increase, and the reimbursement expenses of cooperative medical care will also increase.