What should I do if I have a serious illness in the countryside and have no money to treat it? At present, many farmers' family life is not rich, and they don't have much savings, because physical labor is heavy and life pressure is great. Often there are no conditions for effective health care. In rural areas, farmers can't have regular physical examinations because of limited conditions. Once you feel unwell, go to the hospital for examination, or the cancer is in the middle and late stages. In the end, there is no cure, so we have to wait for death. But there are also family difficulties, high medical expenses, no money for treatment, only waiting for death. Tell you a true story. A farmer in our village, aged 5 1 year, was diagnosed with a brain tumor in a local hospital, which is a good type. Because the long part of the brain tumor is not good, the local hospital dare not have surgery, so it can only be recommended to the provincial hospital for surgery. However, after being hospitalized in a large hospital, faced with hundreds of thousands of operation expenses, the reimbursement rate of cross-city cooperative medical care is small. I can't afford it. The life of the two sons is "difficult" and they can't afford huge expenses. I have no choice but to go home from the hospital. He finally stayed at home for four years before he died. The biggest problem for the elderly in rural areas is that they are seriously ill and have no money for treatment. The high cost is unbearable for many families, which often leads to poverty due to illness. In short, rural people are seriously ill. In addition to cooperative medical reimbursement, children should also take responsibility. As long as there is a little hope, we should try our best to treat it, not give up.
In recent years, the state has established a medical security system to solve the problems of poverty caused by illness and returning to poverty due to illness. In particular, some insurance policies have been introduced for serious diseases.
First, the new rural cooperative medical system. Anyone who has a serious illness has a maximum reimbursement amount. Due to different regions, the specific reimbursement ratio is different, but in some places, the maximum reimbursement can be 6.5438+0.8 million yuan.
The second is the secondary subsidy for serious illness. It means that after receiving the new rural cooperative medical subsidy in the same year, if the utilization rate of the new rural cooperative medical fund did not reach 85% in that year, the rest was used for the second subsidy.
Third, families with difficulties. If the family is unable to bear the cost of treatment, they can also apply to the civil affairs department for serious illness assistance, and the standard of assistance is about 15%.
Some people don't want to pay 200 yuan for participation if they are not sick. However, when hundreds of thousands of medical expenses are compared with 200 yuan after you get sick, it will be too late for you to regret it. Therefore, farmers must participate in the new rural cooperative medical system to prevent serious illness from coming without money. Some of us are always afraid of losing money if we pay. However, have you ever thought about what to do if you don't join the new rural cooperative medical system and get seriously ill? where is the money to come from? Although you can't help others by giving in front of you, you will get help from others one day. This is the mutual aid policy of the new rural cooperative medical system.
What do rich people spend millions on? Knowing that you are from the countryside takes advantage of the countryside. Chinese herbal medicines are everywhere, as good as western medicine. Nowadays, people over 50 and over 60 are people who have never brought money, no matter in quantity or physical quality.
You can't afford a healthy life in a hospital.
Not only in rural areas, but also in the whole country. Disability and poverty caused by illness can be seen everywhere, even in cities. A family with a chronic patient can almost drag down the whole family. Can't afford to get sick, can't afford to be cured, and the phenomenon is everywhere. However, families with medical insurance are different. Although it is difficult, they can still move on. Therefore, participating in medical insurance is the key. Several generations of leaders in our country have been working hard to make the people affordable for illness and medicine, and have established universal medical insurance and serious illness medical insurance, which has given the people of the whole country a reassurance. As long as you actively participate in the insurance and follow the procedures, even if some individuals may be unbearable, you can still apply for a channel to reduce medical expenses. Therefore, there is no need to be too pessimistic. Society is developing and human beings are making progress. I think as long as you actively participate in the insurance, seeing a doctor should not be a big problem, not to mention the social assistance system, and many people have gained new life from this platform and channel. In short, as long as active treatment, there is always hope.
What should I do if I have a serious illness in the countryside and have no money to treat it?
Seeing this problem, I remembered that when my father was hospitalized the year before last, my aunt in the next bed suffered from severe lumbar disc herniation and everyone was paralyzed. After the examination, the hospital asked for surgery, but the aunt didn't even pay the rural medical insurance, and she needed more than 30 thousand at her own expense. If you have medical insurance, you have to report more than 10 thousand yuan. Two sons, the eldest son just got married, and the child is not married. Neither of them got the money, and finally they had no money to do it.
Rural medical insurance should be paid.
No one knows when he will get sick, and paying medical insurance is just in case. Don't think that you don't have to pay if you don't get sick for several years, in case you suddenly get seriously ill. It's difficult at home, so we need to save a little money to pay hundreds of dollars of medical insurance in other places. In case of a serious illness, it can really help you. Now the hospital, no money, no medical insurance, no hospital will say that you are in trouble to help you treat for free. Therefore, rural medical insurance is one of the guarantees for the treatment of poor family members in rural areas.
Find the village Committee to prove the family difficulties and request the hospital to handle the serious illness subsidy.
At present, there are two kinds of poor people in rural areas. One is the poor households and low-income households who set up files and set up cards. These people have medical insurance paid by the state and are hospitalized. With the proof of medical insurance and poor households and low-income households, hospitals can fully reimburse them for free. The second is the poor households who have not set up a file. If this group is seriously ill, they can find the village committee to prove the difficulty, but only if they want to pay the new rural cooperative medical system. If you don't pay the new rural cooperative medical system, even if it proves difficult, the hospital can't help you reimburse the difficult subsidy. Only when the medical insurance reports the medical expenses that cannot be paid can the hardship allowance be reimbursed.
It's easy to ask a water drop for help.
In recent years, online fundraising and easy fundraising have really helped many families with serious diseases and difficulties. Many online friends, 5 yuan, 10 yuan, will still help unless absolutely necessary. With more people, tens of thousands of dollars can still be raised for ordinary diseases. However, medical insurance is recommended. People who don't want to buy medical insurance depend entirely on society, and many of these people are unwilling to help.
To sum up, rural people are seriously ill and have no money for treatment. In addition to borrowing money from relatives and friends to help them treat their diseases, after medical insurance reimbursement, try to seek social help through village committees and online platforms, but those who get social help should learn to be grateful. Don't think that paying hundreds of dollars a year for medical insurance is cheaper for others. If something goes wrong, it is up to the state to find the society. Helping others is a kindness, but not helping others is a responsibility. No one is obliged to take money for free to help the poor. Therefore, good people in society should be grateful for helping themselves. Even if you don't get sick for many years, you are actually helping many people in need in society. Don't always think that paying hundreds of dollars of medical insurance every year is cheap for society if you don't get sick.
Both parents are dead and seriously ill. It has been more than ten years since my father got cancer and my mother was paralyzed. At that time, there was no agricultural cooperation, and of course there was no money, including parents and our brothers and sisters. Now it seems better: rural low-income households, five-guarantee households and poor households are basically free. However, if a normal resident is seriously ill, it will be bad. Basically, there are few treatments. For example, a relative of mine: he has liver cancer and can't afford to go to a big hospital after diagnosis. He went to a private clinic to be treated with folk remedies. He vomited blood and died after taking only one dose of medicine. He took it at my cousin's house. My cousin is this man's son-in-law, that is, his daughter's house. Thirty miles from home, didn't get home, died on the road. This is a case in which rural people appeal to those countries for free medical care. Basically, getting seriously ill is a dead end: the state should pay attention to this problem and implement serious illness insurance. Note: The annual fee is 200 yuan, and you can't afford to pay much or directly provide free medical care. There is no other way out.
This is a cruel question! Not only rural people, but also many working-class people will feel unbearable when facing serious illness. Personally, I am a rural person, and I am fortunate to have a job in a health center. Because of frequent contact with such incidents, I know a lot about relevant policies, so I dare to talk about relevant policies, hoping to help those in urgent need.
First, the new rural cooperative medical care policy.
This is a preferential policy for the state to guarantee basic medical care. Although the entry fee is increasing year by year, it has risen to 220 yuan per person this year. For a family of five, you need to pay 1 100 yuan. For a low-income rural family, this is an expensive expense, but as far as medical expenses are concerned, it is 1 100. From this perspective, it is more cost-effective to pay.
Of course, the cooperative medical system will be capped at 80,000 yuan per household during the year. For some major diseases, this money may not be enough, but within 80 thousand yuan, the reimbursement of cooperative medical care is still very objective. Even in the highest provincial hospitals, the reimbursement rate of cooperative medical care is 55%. Although some uninsured drugs and materials are not reimbursed, the overall proportion of 40% can still be guaranteed. The remaining 60% is still unbearable for an ordinary family, but there are other preferential policies. Generally speaking, it can be said that normal medical treatment can be basically guaranteed within a certain range at this stage. There is no deductible for 50 major diseases specified by the new rural cooperative medical system, and the course of treatment and various treatment contents required for standardized treatment are completed within the maximum limit at the same level, and compensation is made according to the proportion of 70% of the maximum limit.
Secondly, serious illness insurance for urban and rural residents.
After the reimbursement of the new rural cooperative medical system, the out-of-pocket expenses exceeded a certain limit, with a population of 8,000 yuan in Putonghua and 5,000 yuan in poor households. (This specific data may be wrong, but there is a deductible line, which was not verified due to time. Reimbursement of serious illness insurance for urban and rural residents 10% or so. (For the specific proportion, please consult the office of serious illness insurance for urban and rural residents, and there is no research. I seem to remember this ratio. ). After reimbursement through the new rural cooperative medical system and serious illness insurance for urban and rural residents, the proportion can basically reach 50%.
Third, the rescue of serious illness by government departments in Ming Dynasty.
After reimbursement through the new rural cooperative medical system and the serious illness insurance for urban and rural residents, if the out-of-pocket expenses are still high, you can also apply to the civil affairs department of the local government for serious illness relief. This application also has its own deductible line, so you can consult the civil affairs department of the local township government. The proportion of assistance depends on the local civil assistance funds in that year. With more money, the proportion of relief will be high, while with less money, the proportion of relief will be low. The scope of aid activities is relatively limited. Generally speaking, 60% of the deductible can be guaranteed to be above the deductible (the same specific data is not verified). If you are an ordinary family, then the aid policy is over now. If there are more left, you can go to the Red Cross or related funds to see if you can get some help. If you are a precision poverty alleviation household, then there are other policies.
Finally, the reimbursement policy for serious illness of poor households is accurate.
At this stage, the assistance to precision poverty alleviation households is quite strong. In the poverty alleviation stage, after the reimbursement of basic medical insurance and serious illness insurance, the part of the individual's out-of-pocket compliance fee exceeding 3,000 yuan per year will be completely solved by the civil affairs department through medical assistance. For the low-income recipients and destitute support personnel belonging to the poverty-stricken population who have established a file, assistance shall be implemented in accordance with the principle of "high is not low", and assistance shall not be repeated.
The above part is my understanding of government aid policy. Of course, these policies are based on cooperative medical care, so cooperative medical care is the premise. There are also some funds and platforms in the society that also provide help, such as the common Didi financing. I don't know much about these, so I won't go into details. Of course, if you are not a precise poverty alleviation household, but your expenses are really high and you can't afford it, you can go to the township to apply for inclusion in the management of poor households due to illness, and you can also enjoy the policy of precise poverty alleviation.
Generally speaking, the above rescue policies can still ensure reasonable medical treatment. The only drawback is that these rescue policies are all post-rescue, that is, expenses are incurred first and then reimbursed by relevant departments. Some of these procedures take a long time, and the funds after reimbursement may not arrive in time, so they can be used for the second visit. At present, many places have carried out one-stop reimbursement for serious illness relief, but some reimbursement regulations still have room for improvement.
I'll answer this question. I will be seriously ill and end my life. I'm afraid it will bring trouble to my family.
This problem is the purpose of my frequent call for free medical care. In the 1990s, I have never seen a farmer under the age of 40 get cancer and have no money for treatment, so he has to wait for death at home. Half a month before death, it may be painful or unwilling. Let his wife give him half a brick, and he will bite it if he can't stand it. You may find it unrealistic. How can a person's teeth bite a brick? But he just bit off most of this small brick before he died. Many rural people I have seen in recent years are seriously ill and can't afford to wait for death at home. They really respected the disease and almost went bankrupt after reading it.