However, great changes have taken place in recent years. At present, as on-the-job employees, all of them basically have employee medical insurance, while other urban and rural residents who have not applied for employee medical insurance have basically applied for urban and rural residents' medical insurance, which has greatly reduced the economic burden of people's difficulty and expensive medical treatment to a certain extent, and also greatly reduced the happiness of the whole family because of an illness. According to relevant statistics, at the end of 20 19, the number of people participating in basic medical insurance in China was1300 million. Among them, 330 million people participated in the basic medical insurance for employees; The number of people participating in the basic medical insurance for urban and rural residents was 654.38+0.03 billion. In 20 19, the total income of China's basic medical insurance fund was 2,333.487 billion yuan, the total expenditure of basic medical insurance fund was1994.573 billion yuan, and the accumulated balance at the end of the year was 2691.21. In 20 19, the income of the national basic medical insurance fund for urban and rural residents was 845 1 100 million yuan, up 7.71%year-on-year; Expenditure was 8128.36 million yuan, a year-on-year increase of14.23%; The accumulated balance at the end of the year was 50,665.438+82 million yuan.
The number of people participating in medical insurance has increased year by year, basically covering more than 99% of the country's population. With medical insurance as the basic support, the situation that one person's illness destroyed the happiness of the whole family in the past has been greatly improved. Generally, the basic reimbursement rate of employees who have participated in medical insurance is above 80%, and the reimbursement limit is more than 4 times of the average annual salary of employees in the previous year. Because the average annual salary of our employees is increasing every year, it also shows that the annual reimbursement limit is also increasing, and within one year, the minimum payment standard is also decreasing for those who have been hospitalized for many times. For those who participate in medical insurance for urban and rural residents, although the average reimbursement rate is only about 50%, if the average hospitalization expenses of seriously ill patients hospitalized many times in that year exceed the income level of urban and rural residents in the previous year, they can be reimbursed twice for the excess. After one reimbursement and two reimbursement, the overall reimbursement rate exceeds about 80%; For people with poor families, there are still many channels to help patients solve difficult problems. In addition to government assistance, they can also enjoy the sponsorship of social welfare organizations or the help of charitable organizations.
But for people who have not participated in any medical insurance, it is quite common for one person's illness to ruin the happiness of the whole family. Of course, we have no reason to blame these people for not paying medical insurance. For those who have not paid medical insurance, it may be more difficult for them. Because there is no medical insurance, as long as one person is sick, the whole family will definitely suffer. Apart from social assistance and government subsidies, the rest is only borne by family members. In order to prevent this from happening, participating in medical insurance is the best measure to prevent similar incidents.
For compatriots living abroad, although they know something about the domestic situation, they should not know enough about the current medical insurance system in China. For example, from the process of medical aid for the new crown pneumonia epidemic, we can see that compared with the medical insurance system in western countries, none of us is bankrupt because of COVID-19, and all the treatment expenses for COVID-19 are paid by the state. At present, it costs more than RMB 100 to do a test in COVID-19, China, while it costs several thousand dollars in the United States, which is the huge contrast formed by the system. Even if someone in the family is seriously ill now, although the medical expenses may cost hundreds of thousands, because of the basic medical insurance and a perfect government and social assistance mechanism, it is no longer a common phenomenon that one person is seriously ill and destroys the happiness of the whole family, but only individual cases.
To sum up, with the improvement of the domestic medical insurance system and the full coverage of the number of participants, the number of cases in which a person's illness ruined the happiness of the whole family has been greatly reduced, and the awareness of medical insurance has become the knowledge of most people and the fundamental guarantee for ordinary people to see a doctor.
I'm glad to answer your question.
In some people's minds, there is still such a jingle. After decades of hard work, a serious illness returned to before liberation. I have experienced what China was like before liberation. Describe it briefly. You see, at that time, people were naked, their houses sheltered from the wind and rain, and they were hungry for half a year. There are only one or two landlords in a village, and the rich peasants live well.
Let's get to the point first. A serious illness is a serious illness. Cancer is a serious illness. There are no eight cancers in ten villages. There must be cancer patients within 30 meters of you.
Look at their lives, how much lower they are than before they got cancer. It can only be said that having cancer patients at home is a disaster, which has suffered a great mental blow and the living standard has not decreased. Have you ever seen a family selling a house to treat cancer? Yes! This is very, very rare.
In the treatment of serious illness, rural cooperative medical care is of great help (the city has urban insurance). For example, if a patient spends 300,000 yuan, more than 80% can be reimbursed because it is a serious illness. Individuals only need to take 50,000 yuan, and now they can receive120,000 in return for reciprocity. During the treatment, a family's transportation and nutrition expenses are enough and will not affect family life.
* * * The producer is good. When you encounter great difficulties, you will say from the heart that thanks to the party's good policies, you will lose everything and the whole family will beg. As a real case, most rural elderly people don't go to regular hospitals, and the physical examination may be basically gone for a lifetime. My mother didn't care because of vomiting a few years ago, and then she was bedridden with low back pain. She went to the people's hospital to check out the late stage of renal failure. At first, she was scared out in a cold sweat and felt that the sky was falling, but there is always a way out, and the method is always more difficult. Because mom's words reminded us. The old man must be thinking that one person has dragged down the whole family, and most of them want to give up treatment. At my strong request, she said, "You can't die without minimum living allowance", and then she certainly managed to get the minimum living allowance index. In fact, with a serious illness history, it is not difficult to apply for subsistence allowances. With subsistence allowances, serious illness subsidies and medical insurance, it is basically not expensive to treat a serious illness, and 600,000 10% is enough.
As long as there is unshakable treatment determination and basic rescue conditions, as long as patients have the instinct to survive, it is impossible to give up easily. People have their own destiny for how long they can walk, and it is a lifelong regret not to save them! At the beginning of the year, my mother was out of breath because she forgot to take decompression medicine or had a sudden cerebral hemorrhage. Although it hurts, it can be relieved, because good health is not taking medicine and injections, cramming all night, and it's too late to regret when she collapses! !
For a person who has experienced a serious illness, I think I am qualified to answer this question!
20 18 a sudden serious illness caught me off guard because I had to be hospitalized for heart problems!
Our unit has been dead for a long time, and the salary is basically maintained at a level where one person can eat enough. Over the years, I have been a "moonlight family" almost every month; My wife's work unit is better, but we have to support the children who are studying in college, so our life is not rich. To tell the truth, there is hardly any savings!
However, in the face of nearly 100,000 yuan for surgery and medical expenses, we have no difficulty because of medical insurance!
Thanks to the party, thanks to the government!
If you have not experienced a serious illness, you will not feel the greatness of the party and the government!
When you really encounter difficulties, with the support and help of the government and the party, you will certainly be able to tide over the difficulties smoothly!
At that time, I stayed in the hospital for seven days, and the medical expenses were as high as 98,000. After the operation, I was reimbursed 80,000 for medical insurance, 5,000 for the unit's large medical mutual aid, and 3,000 for charity assistance. Generally speaking, I personally paid about 1 000 yuan, which was not only spent within my own scope, but more importantly, my life was saved and my family did not fall into a trough. !
Although our life is still unsatisfactory, our work is not smooth sailing, and we even face many unspeakable difficulties such as being laid off and finding a job, I personally think that the party and the government have done a good job in mutual assistance in medical insurance, which is commendable!
Long live the great producers' party of China and the great people and country of China!
To sum up, what I want to say is that in China, for a family (enterprise employee) with an average income, a serious illness will not ruin the happiness of the family at all! In addition, I need to add that the above situation is aimed at the situation that employees of enterprises have medical insurance, and I would like to represent my personal feelings! I know nothing about other aspects, please add and express your opinions!
That's for sure.
At present, medical insurance cannot fully reimburse all diseases, which is certain. For example, if a family gets cancer and other diseases, it basically means that people and money are empty, and most families will bear huge debts! There are many such living examples around!
That's for sure! Ordinary people can go back to before liberation!
For 70% of families, it is certain that a serious illness will destroy a family. The motivation of many diseases is 50,000 yuan, and that of malignant diseases is10,000 yuan. However, medical insurance only covers basic drugs, so at present, medical insurance is only away from serious diseases. Several acquaintances around me gave up or only made preliminary treatment after diagnosis. But to be honest, the effect of cancer treatment and no treatment depends on luck, unless the general consequences are the same.
As for whether happiness can be destroyed, I don't know, but it is certain that a family can return to before liberation overnight. At present, China's medical insurance system is not perfect, such as outpatient service can not be reimbursed.
So you usually have to make more money, and you can buy insurance if you have the conditions. Although happiness is not directly related to money, a poor family is definitely unhappy. Fight, Sao nian.