Are social security and medical insurance necessary?

The first reason is that the cost of medical insurance is relatively high this year, with most areas rising from 280 yuan last year to 320 yuan and 40 yuan.

In fact, medical insurance did not start to rise this year, but it is rising every year. This year alone, it has broken through 300 yuan, and most families have to spend 1 1,000 yuan more, which is not a small expenditure.

Moreover, medical insurance is paid for one year and guaranteed for one year, regardless of age. We should know that the pension for the elderly in rural areas in most parts of China is only 654.38+10,000 yuan a year, and it is really difficult for the elderly in rural areas to pay this medical insurance premium.

Second, the scope of reimbursement is limited.

With the improvement of medical insurance payment, the scope of reimbursement is also expanding, such as outpatient service has been included in the scope of reimbursement. Drugs for chronic diseases such as hypertension and diabetes are also included in the scope of reimbursement, but there are still many drugs that cannot be reimbursed, such as imported drugs and health care products.

Third, the cost is not cumulative, and most people rarely use it.

Medical insurance is paid for one year and guaranteed for one year. Expenses can't be accumulated like old-age insurance, and can only be paid after a certain period of time, so it feels uneconomical.

Moreover, most people pay it every year, but they rarely use it, or even never use it, especially in rural areas. They carry it on their own when they have a little illness or pain, or go to a small clinic to get some medicine, and there is no medical insurance reimbursement.

Fourth, it is difficult to reimburse in different places. I went out to work and paid employee medical insurance.

Now many rural people know that they can't earn much money after a hard year in the countryside, and most of them go out to work. If you are sick and hospitalized, it will be very troublesome to use the medical insurance reimbursement from your hometown. Some even have to go back to your hometown for reimbursement, and some reimbursement money is not enough to go back and forth.

In addition, many factories or enterprises have already paid workers' medical insurance, so there is no need to pay rural medical insurance, nor can they enjoy double reimbursement, so these people naturally no longer pay rural medical insurance.

Fifth, the reimbursement ratio is limited.

Although it can be reimbursed after hospitalization, the current reimbursement rate is still limited. Some spent five or six thousand yuan, only 1000 yuan can be reimbursed, and the self-funded part still accounts for the bulk. Therefore, everyone thinks that it is still troublesome to report less, so they don't want to pay medical insurance.

In any case, people who eat whole grains are not sick, so it is necessary to pay medical insurance. Don't take more risks to save hundreds of dollars.

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