Does the medical insurance reform suffer personally?

Whether an individual has suffered losses depends on your dependence on the use of medical insurance. If you use medical insurance more vigorously, then you have a great chance of not losing money, or even making a profit. But if you don't use medical insurance very much, you are obviously losing money.

Medical insurance payment has always been controversial among the people, such as the increase of payment amount and the increase of reimbursement threshold. The new round of medical insurance reform has caused heated discussion, and even directly pushed medical insurance payment to the forefront.

I saw on the Internet that the medical insurance reform policies in many places have been announced. Generally speaking, it is almost the same, mainly focusing on outpatient mutual aid. The medical insurance expenses paid by individuals are reduced to personal accounts, and the medical insurance expenses paid by units are all included in the overall account. Of course, there are still places where the pace is relatively large, and even the personal medical insurance accounts of flexible employees are directly cancelled.

This round of medical insurance reform, for ordinary people, means that the amount of your personal medical insurance account will be greatly reduced, but if you really rely on medical insurance, you will get more reimbursement than before, and you can also use your family. As grandma Wu Hanlin reflected below:

"I am a retired worker with chronic diseases. In the outpatient department of a secondary hospital, the expenses that can be reimbursed are 4000 yuan. Excluding the deductible 700 yuan, according to the reimbursement rate of 60% in the secondary hospital, you can reimburse (4000-700 yuan) * 60% = 1.980 yuan. Although there are fewer personal accounts 1360 yuan after outpatient mutual assistance, they enjoy more treatment than 620 yuan. "

It can be seen that for grandma, the implementation of the medical reform policy has benefited her more. However, some netizens reported that they usually use medical insurance to buy some health care products. After the medical reform, the personal account is less than 2,000 yuan, which is very sad.

In fact, in my opinion, the direction of this medical reform will do more harm than good to most young people. After all, they rarely use medical insurance in their lives, and the reduction of the amount included means the reduction of medical insurance deposits. For those elderly people with chronic diseases, the advantages outweigh the disadvantages, and the expenses that can be reimbursed have been improved to a certain extent.

Of course, there is no way. In some places, the medical insurance fund payment has been in an excessive state and the pressure is too great. The reduction of personal accounts is also the inevitable result of the reform. However, in order to balance this point, many places have also introduced outpatient mutual assistance, that is, a person's social security can be provided to his immediate family members (parents, wives, children), so as to achieve the purpose of "pooling funds to manage serious diseases and personal accounts to manage minor diseases".

Although this medical insurance policy was introduced after comprehensive consideration of various factors, it is not very popular with the public as a whole, and I hope it can be further improved and improved.