This problem is the purpose of my frequent call for free medical care. In the 1990s, I have never seen a farmer under the age of 40 get cancer and have no money for treatment, so he has to wait for death at home. Half a month before death, it may be painful or unwilling. Let his wife give him half a brick, and he will bite it if he can't stand it. You may find it unrealistic. How can a person's teeth bite a brick? But he just bit off most of this small brick before he died. Many rural people I have seen in recent years are seriously ill and can't afford to wait for death at home. They really respected the disease and almost went bankrupt after reading it.
This is a cruel question! Not only rural people, but also many working-class people will feel unbearable when facing serious illness. Personally, I am a rural person, and I am fortunate to have a job in a health center. Because of frequent contact with such incidents, I know a lot about relevant policies, so I dare to talk about relevant policies, hoping to help those in urgent need.
First, the new rural cooperative medical care policy.
This is a preferential policy for the state to guarantee basic medical care. Although the entry fee is increasing year by year, it has risen to 220 yuan per person this year. For a family of five, you need to pay 1 100 yuan. For a low-income rural family, this is an expensive expense, but as far as medical expenses are concerned, it is 1 100. From this perspective, it is more cost-effective to pay.
Of course, the cooperative medical system will be capped at 80,000 yuan per household during the year. For some major diseases, this money may not be enough, but within 80 thousand yuan, the reimbursement of cooperative medical care is still very objective. Even in the highest provincial hospitals, the reimbursement rate of cooperative medical care is 55%. Although some uninsured drugs and materials are not reimbursed, the overall proportion of 40% can still be guaranteed. The remaining 60% is still unbearable for an ordinary family, but there are other preferential policies. Generally speaking, it can be said that normal medical treatment can be basically guaranteed within a certain range at this stage. There is no deductible for 50 major diseases specified by the new rural cooperative medical system, and the course of treatment and various treatment contents required for standardized treatment are completed within the maximum limit at the same level, and compensation is made according to the proportion of 70% of the maximum limit.
Secondly, serious illness insurance for urban and rural residents.
After the reimbursement of the new rural cooperative medical system, the out-of-pocket expenses exceeded a certain limit, with a population of 8,000 yuan in Putonghua and 5,000 yuan in poor households. (This specific data may be wrong, but there is a deductible line, which was not verified due to time. Reimbursement of serious illness insurance for urban and rural residents 10% or so. (For the specific proportion, please consult the office of serious illness insurance for urban and rural residents, and there is no research. I seem to remember this ratio. ). After reimbursement through the new rural cooperative medical system and serious illness insurance for urban and rural residents, the proportion can basically reach 50%.
Third, the rescue of serious illness by government departments in Ming Dynasty.
After reimbursement through the new rural cooperative medical system and the serious illness insurance for urban and rural residents, if the out-of-pocket expenses are still high, you can also apply to the civil affairs department of the local government for serious illness relief. This application also has its own deductible line, so you can consult the civil affairs department of the local township government. The proportion of assistance depends on the local civil assistance funds in that year. With more money, the proportion of relief will be high, while with less money, the proportion of relief will be low. The scope of aid activities is relatively limited. Generally speaking, 60% of the deductible can be guaranteed to be above the deductible (the same specific data is not verified). If you are an ordinary family, then the aid policy is over now. If there are more left, you can go to the Red Cross or related funds to see if you can get some help. If you are a precision poverty alleviation household, then there are other policies.
Finally, the reimbursement policy for serious illness of poor households is accurate.
At this stage, the assistance to precision poverty alleviation households is quite strong. In the poverty alleviation stage, after the reimbursement of basic medical insurance and serious illness insurance, the part of the individual's out-of-pocket compliance fee exceeding 3,000 yuan per year will be completely solved by the civil affairs department through medical assistance. For the low-income recipients and destitute support personnel belonging to the poverty-stricken population who have established a file, assistance shall be implemented in accordance with the principle of "high is not low", and assistance shall not be repeated.
The above part is my understanding of government aid policy. Of course, these policies are based on cooperative medical care, so cooperative medical care is the premise. There are also some funds and platforms in the society that also provide help, such as the common Didi financing. I don't know much about these, so I won't go into details. Of course, if you are not a precise poverty alleviation household, but your expenses are really high and you can't afford it, you can go to the township to apply for inclusion in the management of poor households due to illness, and you can also enjoy the policy of precise poverty alleviation.
Generally speaking, the above rescue policies can still ensure reasonable medical treatment. The only drawback is that these rescue policies are all post-rescue, that is, expenses are incurred first and then reimbursed by relevant departments. Some of these procedures take a long time, and the funds after reimbursement may not arrive in time, so they can be used for the second visit. At present, many places have carried out one-stop reimbursement for serious illness relief, but some reimbursement regulations still have room for improvement.
In recent years, the state has established a medical security system to solve the problems of poverty caused by illness and returning to poverty due to illness. In particular, some insurance policies have been introduced for serious diseases.
First, the new rural cooperative medical system. Anyone who has a serious illness has a maximum reimbursement amount. Due to different regions, the specific reimbursement ratio is different, but in some places, the maximum reimbursement can be 6.5438+0.8 million yuan.
The second is the secondary subsidy for serious illness. It means that after receiving the new rural cooperative medical subsidy in the same year, if the utilization rate of the new rural cooperative medical fund did not reach 85% in that year, the rest was used for the second subsidy.
Third, families with difficulties. If the family is unable to bear the cost of treatment, they can also apply to the civil affairs department for serious illness assistance, and the standard of assistance is about 15%.
Some people don't want to pay 200 yuan for participation if they are not sick. However, when hundreds of thousands of medical expenses are compared with 200 yuan after you get sick, it will be too late for you to regret it. Therefore, farmers must participate in the new rural cooperative medical system to prevent serious illness from coming without money. Some of us are always afraid of losing money if we pay. However, have you ever thought about what to do if you don't join the new rural cooperative medical system and get seriously ill? where is the money to come from? Although you can't help others by giving in front of you, you will get help from others one day. This is the mutual aid policy of the new rural cooperative medical system.
Thank you for inviting me to answer this question.
No one can say that he won't go to the hospital. If this man lives in this world, he will get sick. What should rural people do if they are seriously ill and have no money for treatment?
He is not engaged in this kind of government, new rural cooperative medical system or rural medical care, ha, his name is this kind. Didi financing and easy financing.
It is through you that you mobilize your own personal strength, put the information of your family's relatives and friends on the Easy Fund, or put it on this fund. In doing so, start your own circle of friends, start your relationship circle, and start your circle of people.
Mobilize everyone who knows you, everyone who knows you, everyone who knows you, and everyone who cares about you to make this social donation. He was very timely in the subsequent social fund-raising, because he was a kind of communication between relatives and friends, and his channels were very large, and your information was distributed within the effective range.
Your information is highly reliable and authentic. With the diagnosis certificates provided by these hospitals and the diagnosis certificates provided by the attending doctors, including the relevant certificates that some relatives and friends at the scene were hospitalized in the hospital, admitted to the ICU ward or operated, ha, many relatives and friends, many people who know you, or your personal connections will all see the new fashion more or less, and will eventually converge into a good social force and social love for stealing money.
Case: Last year 165438+ 10, one of my relatives was seriously ill and needed craniotomy.
He has a hemangioma on his head. However, if you don't have surgery, you will definitely die. Then you will have an operation. Because you have no money, you will slide 19 friends and relatives to raise this crowdfunding for him. In this state, this kind of flag-waving, in the end, ha, you won this kind of voluntary donation of more than 26 thousand, although it is not much, although it can not fundamentally solve his medical expenses problem. Through this incident, you have seen the power of society, many forces that know you, and ordinary people who ignore you. This kind of love that he will donate at this time is really touching.
In case I really encounter this special disease or serious illness, I can find relevant medical institutions, finance or poverty relief offices to raise this, serious illness, special fund-raising or donation are all possible. Their channels, their processes may be slower and more official, but as long as you are willing to wait.
Everyone is afraid that someone in the family is seriously ill, and everyone is afraid that there will be no money to treat the disease in the end, but sometimes it will happen. To mobilize some forces to make some donations, just try to do it. As long as the direction is right, slow down and slow down. There is no way. We are a poor family.
This article was originally written in "The Entrepreneurial Pit of Agriculture, Countryside and Farmers". Survival is the first priority in starting a business for agriculture, countryside and farmers. If you can't live, don't talk about dreams and feelings.
Short stories, big lessons, less detours and no into the pit are our original intentions.
This question is nothing more than "save", "don't save" and "who will save".
This society is fair but unequal, and no one has the obligation to be responsible for your medical expenses. Hospitals also need profits to maintain order; Doctors and nurses are life-saving angels, but "doctors" and "nurses" are just jobs for them; Relatives and friends borrow money to pay back the money all their lives? After treatment, various rehabilitation expenses ...
There is an incurable disease in society-poverty disease.
If you are worried about getting seriously ill, adjust your living habits to prevent diseases, or buy yourself a guarantee. The following answer is "prevention": that is, join the mutual aid plan and participate in micro insurance.
First of all, the respondents also paid the "9.9 yuan" on a certain platform to join the mutual assistance platform. After the observation period of "180 days", if I am unfortunately sick, I will receive a subsidy of 300,000 yuan (shared by everyone), with an average of several dollars per person. 9.9 yuan (less than a meal) subsidizes others in small amounts and buys himself a big guarantee. Mutual assistance is equal and fair, and no one owes anyone.
The poor envy the rich to have assets to increase the value of real estate speculation, but we ordinary people can join the "mutual aid plan" with small money to provide more protection for our health.
In addition to joining the mutual aid program and taking precautions, we must definitely start from the source, prevention > treatment.
Excerpted from "Blueprint for Primary Prevention of Cancer: Targeting Established Risk Factors that Can Be Changed" published by American Cancer Society in June 18+00 in the top journal of oncology.
Preventive measures:
1) is to quit smoking and stay away from second-hand smoke.
2) To reverse the trend of high body fat by adjusting diet structure and increasing physical exercise.
3) The American Cancer Society (ACS) and the Global Foundation for Cancer Research/American Institute for Cancer Research (WCRF/AICR) provide three suggestions for dietary guidelines for cancer prevention:
Or refer to the Guide to China Residents' Dietary Pagoda.
4) The American Physical Exercise Guide recommends the following three forms of physical exercise:
5) Quit smoking, especially for pregnant men and women.
6) The most effective measure to prevent the spread of carcinogenic pathogens is vaccination, such as human papillomavirus (HPV) vaccine and HBV vaccine, which makes it possible to eliminate cervical cancer and liver cancer.
7) Preventive measures to prevent excessive exposure to ultraviolet rays include: proper use of sunscreen, wearing a sun hat, wearing sunglasses to block ultraviolet rays, wearing sunscreen clothes and avoiding indoor tanning.
Not only in rural areas, but also in the whole country. Disability and poverty caused by illness can be seen everywhere, even in cities. A family with a chronic patient can almost drag down the whole family. Can't afford to get sick, can't afford to be cured, and the phenomenon is everywhere. However, families with medical insurance are different. Although it is difficult, they can still move on. Therefore, participating in medical insurance is the key. Several generations of leaders in our country have been working hard to make the people affordable for illness and medicine, and have established universal medical insurance and serious illness medical insurance, which has given the people of the whole country a reassurance. As long as you actively participate in the insurance and follow the procedures, even if some individuals may be unbearable, you can still apply for a channel to reduce medical expenses. Therefore, there is no need to be too pessimistic. Society is developing and human beings are making progress. I think as long as you actively participate in the insurance, seeing a doctor should not be a big problem, not to mention the social assistance system, and many people have gained new life from this platform and channel. In short, as long as active treatment, there is always hope.
It is not easy to make money in the countryside. 1 yuan is divided into two halves. If someone in the family is seriously ill, it will drag a rural family into the abyss of poverty. If you spend all your savings all year round and haven't been cured, but you have no money to cure it. What should you do?
Apply to the village Committee for poor households first, because it is a dynamic adjustment now. As long as they meet the accreditation standards, they can be included in the national poverty alleviation and development system within 3-7 working days, and then they can enjoy various medical service policies of poor households, such as increasing the reimbursement ratio, paying for medical treatment first and then paying for it.
Second, apply to the township civil affairs department for low-income assistance, so that the expenses of illness can apply to the county-level agricultural cooperative compensation department for the second compensation policy for serious illness;
Third, you can also apply for assistance from the local Federation of Trade Unions and the Charity Federation. The amount of assistance in our county will be determined according to the illness, but the maximum amount will not exceed 1 10,000 yuan.
Fourth, financing can be raised through water droplets. I believe that all my friends who have used it are recognized. As long as the illness is true and valid information such as medical records, hospitalization vouchers and diagnosis certificates are attached, the system will easily open a subscription for you. The specific subscription depends on the condition.
In fact, our farmers' new rural cooperative medical system is a kind of relief from the government, especially the rural cooperative medical system paid by farmers in 220 yuan this year and the serious illness insurance in 20 yuan. If you really encounter a serious illness during the period of agricultural cooperation, you can apply to the state for a serious illness relief fund. The specific amount is subject to the actual situation.
In recent years, the state has established a medical security system to solve the problems of poverty caused by illness and returning to poverty due to illness. In particular, some insurance policies have been introduced for serious diseases.
First, the new rural cooperative medical system. Anyone who has a serious illness has a maximum reimbursement amount. Due to different regions, the specific reimbursement ratio is different, but in some places, the maximum reimbursement can be 6.5438+0.8 million yuan.
The second is the secondary subsidy for serious illness. It means that after receiving the new rural cooperative medical subsidy in the same year, if the utilization rate of the new rural cooperative medical fund did not reach 85% in that year, the rest was used for the second subsidy.
Third, families with difficulties. If the family is unable to bear the cost of treatment, they can also apply to the civil affairs department for serious illness assistance, and the standard of assistance is about 15%.
Some people don't want to pay 200 yuan for participation if they are not sick. However, when hundreds of thousands of medical expenses are compared with 200 yuan after you get sick, it will be too late for you to regret it. Therefore, farmers must participate in the new rural cooperative medical system to prevent serious illness from coming without money. Some of us are always afraid of losing money if we pay. However, have you ever thought about what to do if you don't join the new rural cooperative medical system and get seriously ill? where is the money to come from? Although you can't help others by giving in front of you, you will get help from others one day. This is the mutual aid policy of the new rural cooperative medical system.