Data from the National Medical Insurance Administration show that the number of people participating in urban and rural residents’ medical insurance has reached 1.01 billion. Medical insurance for urban and rural residents is what farmers often call the new rural cooperative medical insurance or rural medical insurance. Medical insurance for urban and rural residents is paid annually. If you pay in one year, you will enjoy benefits in the next year. In other words, after paying the premium in 2021, you will be able to enjoy the benefits of resident medical insurance in 2022.
Why should we participate in medical insurance?
Each of us will face various uncertain disease risks throughout our lives. Medical insurance is used to prevent and resolve the risks of medical expenses. The purpose of medical insurance is mutual aid and economic development, embodying social responsibility and personal health protection responsibility for the construction of public enjoyment.
Healthy people help sick people. Everyone puts a small part of their money together to form a large fund pool. In case you fall ill and need money, this is your basic fund. Therefore, paying medical insurance premiums on time every year is used to prevent and resolve medical expense risks, which is a stable guarantee for yourself.
At the beginning of the establishment of the system, urban and rural residents’ medical insurance determined a financing method that combined financial subsidies and personal contributions, and implemented a financing mechanism with fixed quotas and dynamic adjustments on an annual basis.
Among the sources of financing for urban and rural residents’ medical insurance, financial subsidies are the main source, accounting for about two-thirds, and personal contributions only account for one-third. For example, in 2022, the financial subsidy standard will be no less than 580 yuan per person per year, and the personal payment standard will be no less than 320 yuan per person per year. The government subsidies and personal payment amounts will be put into a special account of the medical insurance fund to ensure that the insured people enjoy medical insurance. treatment.
How good is the level of medical insurance benefits in terms of payment amount?
The scope of insured persons in rural medical insurance is further expanded every year, and people’s demand for the coverage of medical insurance is increasing. The country Payments for medical insurance are also increasing, so my country's rural medical insurance currently adopts the cooperative medical system.
What is cooperative medical care? To put it simply, individuals pay part of the expenses, and the state and government pay part of the expenses for assistance. As the medical needs of rural residents continue to change and living standards continue to improve, the state has also adjusted the charging standards for medical insurance accordingly.
At present, many provinces and cities across the country have introduced specific payment standards. The pooled standard for medical insurance in 2022 is 900 yuan per person, of which 320 yuan is an individual payment and 580 yuan is a government subsidy. The individual payment fee has increased by 40 yuan compared with last year. This is the minimum standard, and some regions and cities will provide more options based on local development levels. Rural residents can make reasonable choices based on their family circumstances and local policies when making payments.
What’s so good about the level of medical insurance benefits?
Adjust and improve critical illness insurance policies for urban and rural residents so that people dare to treat serious illnesses. Anyone who has participated in the basic medical insurance for urban and rural residents will also participate in the critical illness insurance for urban and rural residents at the same time, and no additional individual payment is required. For the high medical expenses incurred by insured residents who are hospitalized for illness, after the basic medical insurance for urban and rural residents pays them in accordance with regulations, the portion of the annual cumulative medical expenses within the scope of the policy that the individual bears exceeds the critical illness insurance threshold, will be covered by the critical illness insurance compensate.
Establish an outpatient medication protection mechanism for urban and rural residents with hypertension and diabetes, simplify the identification procedures for patients with the "two diseases", lower the entry threshold, expand the scope of use, and the reimbursement ratio within the scope of the policy shall not be less than 50% %, and expand policy breadth on the basis of general outpatient and outpatient chronic disease reimbursement.
After centralized bulk purchasing, the prices of medicines and consumables have dropped significantly, the implementation of national medicines has taken effect, the burden of medical treatment on the people has been further reduced, and the depth of policies has been strengthened. Since 2019, the government has purchased 5 batches of 218 kinds of drugs in large quantities, and the average price of drugs has dropped by about 52%.
The state has led to an expansion of medical insurance fund expenditures through a series of medical insurance policy adjustments and improvements in medical insurance benefits. In order to maintain a balance of revenue and expenditure, it is necessary to increase per capita contributions and state subsidies to keep the medical insurance system running. I hope everyone can correctly view the increase in medical insurance premiums every year, and actively participate in insurance to provide a guarantee for the health of yourself and your family!