In China, for families with ordinary incomes, will a serious illness ruin the happiness of the family? Based on the angle of the question, the questioner may be a compatriot living abroad. If your question had been asked a few years ago or more than ten years ago, it would have been for sure. In the past, there were too many people who became poor or returned to poverty due to illness. It was difficult and expensive to see a doctor, which became a pain in the hearts of the people. .
However, the situation has changed a lot in recent years. At present, as employees on the job, basically everyone has employee medical insurance, and other urban and rural residents who have not applied for employee medical insurance have basically applied for it. Medical insurance for urban and rural residents has, to a certain extent, greatly reduced the financial burden of difficult and expensive medical treatment for the people, and has greatly reduced the number of cases where a disease ruins the happiness of the whole family. According to relevant statistics, at the end of 2019, there were more than 1.3 billion people covered by basic medical insurance in my country. Among them, 330 million people participate in the basic medical insurance for employees; 1.03 billion people participate in the basic medical insurance for urban and rural residents. In 2019, the total revenue of my country's basic medical insurance fund was 2,333.487 billion yuan, the total expenditure of the basic medical insurance fund was 1,994.573 billion yuan, and the cumulative balance at the end of the year was 2,691.211 billion yuan. In 2019, my country's urban and rural residents' basic medical insurance fund revenue was 845.100 billion yuan, a year-on-year increase of 7.71%; the expenditure was 812.836 billion yuan, a year-on-year increase of 14.23%; the cumulative balance at the end of the year was 506.182 billion yuan.
The number of people insured by medical insurance is increasing year by year, basically covering more than 99% of the country’s population. Since medical insurance serves as a basic support and guarantee, the situation in the past where one person’s illness ruined the happiness of the whole family has been eliminated. A huge improvement. For those who have participated in employee medical insurance, the basic reimbursement ratio is generally above 80%, and the reimbursement limit for each time is more than 4 times the average annual salary of employees in the previous year. Since the average annual salary of our employees is increasing every year, This means that the annual reimbursement limit is also constantly growing, and within a year, for those who have been hospitalized multiple times, the minimum payment standard is also constantly declining. Although the average single reimbursement ratio for those participating in urban and rural residents' medical insurance is only about 50%, for patients with serious illnesses who are hospitalized multiple times in the same year, in addition to the significant drop in the minimum payment standards, the average annual hospitalization expenses exceed that of urban and rural residents in the previous year. For people with a living income level, a second reimbursement can be made for the excess. After the first reimbursement plus the second reimbursement, the overall reimbursement ratio will exceed about 80%; for people with relatively poor families, there are now multiple channels To help patients solve difficult problems, in addition to government assistance, they can also enjoy sponsorship from social welfare organizations or help from charitable organizations.
But for those who do not participate in any medical insurance, it is relatively common for one person to become ill and ruin the happiness of the whole family. Of course, we have no reason to blame these people who do not pay for medical insurance. For these people who do not pay Medical insurance may be provided to relatively disadvantaged groups. Since there is no medical insurance, as long as one person gets sick, the whole family will definitely suffer. In addition to social assistance and government subsidies, the rest must be paid by family members. In order to prevent this from happening, signing up for medical insurance is the best way to prevent similar incidents from happening.
For compatriots living abroad, although they have some understanding of the domestic situation, they should not know enough about the current domestic medical insurance system. For example, from the process of medical assistance during the COVID-19 epidemic, we can see that the domestic medical insurance system is compared with the medical insurance systems of major Western countries. No one in our country has gone bankrupt due to COVID-19. For COVID-19, All the cost of pneumonia treatment is paid by the state. Currently, a COVID-19 test in China costs more than 100 yuan, while in the United States it costs thousands of dollars. This is a huge contrast in the system. Even if someone in the family is suffering from a serious illness now, even though the medical expenses may cost hundreds of thousands, because there is now basic medical insurance to cover the expenses, and there is a complete government and social rescue mechanism, so if one person suffers from a serious illness, the whole family will be ruined. The phenomenon of happiness is no longer a universal phenomenon but only an individual case.
To sum up, with the improvement of the domestic medical insurance system and the full coverage of the insured people, the past cases of one person getting sick and ruining the happiness of the whole family have been greatly reduced, and the awareness of medical insurance has become It has improved the awareness of most people and has become the fundamental guarantee for people to seek medical treatment.
I'm happy to answer your questions. In some people's minds, there is still this jingle, after decades of hard work, a serious illness returned to before liberation.
I have experienced what China was like before liberation. I will briefly describe it. You will see that at that time, people had no clothes to cover their bodies, and their houses were not sheltered from wind and rain. They were starving for half of the year. One village only had With one or two households of landlords, the rich peasants lived a good life.
Let’s talk about the question mentioned by the subject. Cancer is the most serious disease among serious diseases. There are not ten or eight people who have cancer. There must be patients who have had cancer within 30 meters of your home.
Look at how much their lives have dropped compared to before they got cancer. It can only be said that having a cancer patient in your family is a disaster and a big blow to your spirit. Your living standard has not dropped. You see. Which family has ever sold their house to treat cancer? Yes! Very few.
Rural cooperative medical care has been of great help in the treatment of serious illnesses (cities have urban insurance). For example, a patient spent 300,000 yuan. Because it was a serious illness, more than 80% can be reimbursed, and the individual only needs to receive 5 Ten thousand yuan, now you can receive 12,000 yuan for reciprocity. During the treatment period, a family's expenditure of 70,000 to 80,000 yuan is enough for transportation expenses and nutrition expenses, so it will not affect the family's life. The Communist Party is good. When you encounter greater difficulties, you will say from the bottom of your heart that thanks to the good policies of the Party, otherwise you would have gone bankrupt and your whole family would have gone begging.
As a real example, most rural elderly people rarely go to regular hospitals, and they may never have physical examinations in their lifetime. My mother didn't pay attention to vomiting in the past few years, and then she became bedridden due to back pain. She went to the People's Hospital and was diagnosed with advanced renal failure. At first, she broke out in a cold sweat and felt like the sky was falling. But there is always a way, and the method is always better. There are many difficulties. Because my mother's words reminded us. The elderly woman must have thought that one person would be a drag on the whole family, and most likely she wanted to give up treatment. At my strong request, she said: "Without subsistence allowance, there is no treatment." Then of course she tried her best to get the subsistence allowance quota. It is actually not difficult to apply for subsistence allowances if you have a medical record of a serious illness. With the subsistence allowance quota, serious illness subsidies, and medical insurance, it basically costs nothing to treat serious illnesses. 10% of the 600,000 yuan is enough.
As long as there is an unwavering determination to treat the patient, basic rescue conditions are in place, and the patient has a survival instinct, he cannot give up easily. How long a person can go has a certain limit. Failure to rescue him will be a lifelong regret! My mother had a sudden cerebral hemorrhage at the beginning of the year because she forgot to take anti-stress medicine. Although it hurts, she can feel relieved because good health is not about taking medicine and injections. !
For a person who has experienced a serious illness, I think I am very qualified to answer this question!
A sudden serious illness caught me off guard in 2018. I had to be hospitalized for treatment because of my heart!
Our work unit has been struggling for a long time, and the salary is basically enough to feed one person. Over the years, I have been a "money earner" almost every month; my wife's work unit is better, but she has to support me. We are children in college, so our life is not rich. To be honest, our savings are almost very small, let alone none!
However, we did not have any trouble facing the nearly 100,000 yuan in surgical and medical expenses because we had medical insurance!
Thanks to the party and the government!
If you have never experienced 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 be able to get through the difficulties smoothly!
That time, I stayed in the hospital for seven days and the medical expenses were as high as more than 98,000 yuan. The total post-operative medical insurance reimbursement was more than 80,000 yuan. The reimbursement was 5,000 yuan, and the charity association provided assistance of 3,000 yuan. Overall, I personally borne about 10,000 yuan. Not only was the cost within the scope of what I could bear, but more importantly, my life was saved, and the family did not fall into a trough. In this situation, as conscientious grassroots party members and national citizens, how can we not be grateful to the party and the government?!
Although our lives are still unsatisfactory in one way or another, and our work is not always smooth sailing, and we even face many unspeakable difficulties such as being laid off and having difficulty finding a job, I personally feel that the party The government has done a very good job in medical insurance and mutual aid, which is commendable!
Long live the great Communist Party of China, and long live the great Communist Party of China!
To sum up, what I want to say is that in China, for families with ordinary incomes (enterprise employees), a serious illness will not ruin the happiness of the family at all! In addition, it should be added that the above situation is for employees of enterprises with medical insurance and comes from abroad. I would like to represent my personal feelings! I don’t know much about other aspects of the situation, so readers are invited to add and express their opinions!
This is for sure.
This is certain given that the current medical insurance cannot fully reimburse all diseases. For example, if one person in a family has a disease such as cancer, then the family will basically be deprived of both human and financial resources. Most families will also be saddled with huge debts! There are many living examples of this kind around us!
This is for sure! Ordinary people can go back to before liberation in one go!
For 70% of families, it is certain that a serious illness will destroy a family. For many diseases, the starting price is 50,000 yuan, and for malignant diseases, it starts at 100,000 yuan. However, medical insurance only covers basic drugs, so the current medical insurance only covers serious diseases. Several acquaintances around me gave up or only received initial treatment after being diagnosed. But to be honest, whether cancer is cured or not depends on luck, unless the obvious 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, our country’s medical insurance system is not perfect, such as outpatient reimbursement.
So you still need to make more money, and if possible, you can buy insurance. Although happiness is not directly linked to money, a poverty-stricken family is definitely not very happy, so work hard, Saonian