Medical insurance for urban workers can protect families, so can the new rural cooperative medical system?

On August 26th, the National Medical Insurance Bureau issued "Guiding Opinions on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients (Draft for Comment)", and publicly solicited the opinion that "the expenses of employees' medical insurance outpatient clinics should be included in reimbursement".

Employee medical insurance will usher in at least three major changes, benefiting more than 300 million insured people.

First, establish and improve the overall guarantee mechanism for general outpatient medical expenses, starting with chronic outpatient diseases such as hypertension and diabetes, and gradually include the general outpatient medical expenses with frequently-occurring and common diseases into the scope of payment of the overall fund. The general outpatient service covers all employees' medical insurance participants as a whole, and the payment ratio starts from 50%. This is a new medical insurance treatment.

The second is to improve the personal account calculation and payment method, so that the unit payment will no longer enter the personal account. According to the exposure draft, the personal accounts of employees are included in the basic medical insurance premiums paid by individuals, and the inclusion criteria are controlled within 2% of the base of their own insurance contributions in principle, and all the basic medical insurance premiums paid by units are included in the overall fund. Zhang Yinghua, an executive researcher at the World Social Security Research Center of the China Academy of Social Sciences, told the Zhongxin.com that the cancellation of unit contributions to personal accounts means that the social pooling part of the medical insurance fund has increased, which has enhanced the * * * welfare of healthy people to sick people. For healthy people, they can also get more benefits from social members in the future.

The third is to expand the use of personal accounts, and plans to expand the use of personal accounts to family members. In the past, personal accounts could only pay the medical expenses of employees themselves. After the reform, it will be extended to pay the expenses of spouses, parents and children of employees. This helps to realize the family's economy. Healthy people and employees can "remit" and "pay" the funds from personal medical insurance accounts for their immediate family members. On the one hand, revitalize their idle account funds, on the other hand, strengthen family mutual assistance and unity.

I look forward to the adoption of the "Opinions" and hope to expand the scope of use of the new rural cooperative medical system.

The essence of medical insurance belongs to social mutual assistance, and soliciting social opinions will be beneficial to the further improvement of social medical mutual assistance in China. In the vast rural areas, the use of the new rural cooperative medical system is also very limited, and it is expected to be improved together with this urban medical insurance.

The new rural cooperative medical system (hereinafter referred to as the "new rural cooperative medical system") refers to the mutual medical assistance system for farmers, which is organized, guided and supported by the government, voluntarily participated by farmers, and jointly funded by individuals, collectives and the government. It takes the form of individual donations, collective support and government funding to raise funds.

The payment object of the new rural cooperative medical system is farmers, whose economic strength is not as common as that of urban residents. Among them, young and healthy farmers can't use it, and old and sick farmers are not enough. At the same time, in the face of the increasing cost of the new rural cooperative medical system, some farmers' families can't afford it gradually. If the new rural cooperative medical system can also use one card for multiple purposes, it will help strengthen family mutual assistance and realize one person to protect one family.

Solicitation of opinions on medical insurance is the inevitable result of social progress and productivity development. It will further relieve the worries of the broad masses of workers, improve the efficiency of social survival, improve the social distribution mechanism, and maintain social stability and fairness. I also hope that in a short period of time, we farmers can enjoy the same treatment as urban residents, further reflecting social fairness!