Urban and rural medical insurance payment ushered in a new trend, and the financing standards were "two improved". Are you willing to pay?

As we all know, the payment of urban and rural medical insurance is particularly important for urban residents with employee medical insurance, which means that they can experience social security benefits normally and solve the pressure of medical expenses when they encounter uncertain disease risks.

It is expected that urban and rural medical insurance payment will enter the latest news. The National Medical Insurance Bureau officially issued the Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2022, which established the "two promotion" of urban and rural medical insurance financing. One is to increase the personal contribution of urban medical insurance in 30 yuan in 2022 and realize 350 yuan; The other is to raise the average financial subsidy standard in 30 yuan to no less than 6 10 yuan per person per day. That is to say, in 2022, each urban and rural medical insurance will reach 960 yuan as a whole, which is 60 yuan higher than the previous year's standard. It seems that overpaying has actually enhanced the scale of overall fund management, and finally improved the level of social security benefits, which is equivalent to doing our best for the people.

First of all, the pressure of personal labor is still relatively large.

After verification, the predecessor of urban and rural medical insurance is the new rural cooperative medical system. The original payment standard was extremely low. I only need 10 yuan to get the biggest medical insurance, which was warmly welcomed by ordinary people at that time.

With the rapid development of medical insurance policy, the individual payment standard has been continuously adjusted for many years, from the initial 10 yuan to 350 yuan this year. Ordinary people have something to say about this matter, and the payment is rising year by year, which is really unaffordable.

For a family of four living in rural areas, in addition to paying the basic old-age insurance for urban and rural residents, the whole family has to pay at least 1.200 yuan for urban residents every year, and the annual payment standard reaches 1.050 yuan, including two insurance fees, so the payment pressure is still relatively high.

Then, analyze whether to hand it in.

Urban and rural medical insurance plays a vital role. It is a well-known fact that it rises every year, but it has to be paid more or less. Some urban residents feel that their income is particularly low this year, and they used to pay their own fees every year. It is said that the cost has increased in 30 yuan this year. But I have hardly seen a doctor, and I feel that I have paid all my money for nothing. I don't want to pay it this year. In fact, this understanding is incorrect.

The purpose of implementing urban and rural medical insurance is to co-ordinate and help each other. In other words, everyone is usually insured and takes out a small amount of money to make up, resulting in a large pool of funds. At the same time, the finance also put some money into the fund pool and distributed it to those in need.

So I haven't used medical insurance, which is lucky, but it doesn't mean I won't use it in the future. In fact, no one wants to use medical insurance, and the value of medical insurance payment is just in case. When encountering the established disease risk, medical insurance can be used to ensure that the pressure of self-diagnosis and treatment can be reduced. The money spent is the money paid by everyone in the fund pool, which means that medical insurance means "thinking for others and everyone for me".

Finally, talk about the good news of urban and rural medical insurance.

In fact, in this year's "two upgrades" of urban and rural medical insurance financing standards, I only invested a little money on the whole. Even if the 30 yuan is increased every year, that is, within the range I can afford, I really can't afford the particularly hard-working staff, and I can also enjoy the differential payment of medical insurance fees from government departments. Speaking of the capital investment of government departments, it is really a large part of the fund pool, which generates good news and ensures high investment. In other words, within the scope of the government, the proportion of overall fund payment remains at around 70%. This year, a certain amount of credit will be released from the urban medical insurance co-ordination fund for serious illness insurance for urban residents, and urban residents can enjoy the salary of serious illness insurance without this diplomatic expense, which will be good news for seriously ill patients.

What are the suggestions for the "two upgrades" of urban and rural medical insurance financing norms? Warmly welcome to leave a message in the comment area, thank you for your praise and sharing, and let more people know the latest developments of medical insurance.