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Nanjing City, including the outer outline, is divided into two counties, Jiangning County in the north and Shangyuan County in the south.
The people in the city used to call Waiguo in Shangyuan County Nanxiang.
On this day, Qin Mu and his bodyguards went incognito to some families in Nanxiang who lived in relatively poor conditions. Then return to the city from Shouniu Mountain along the Liudi of the Qinhuai River.
Since he proposed the medical insurance system and published it in the "Da Qin Times" to solicit opinions from the public, it has caused a huge response and the public has launched a heated discussion about it.
Think tanks and people of insight have begun to take shape in the private sector to offer suggestions and suggestions. Of course, there are also many voices of opposition, many people think that this is too ambitious.
But the actual situation is that the voices of the lower class people are the weakest in any era.
Qin Mu's original intention of proposing the medical insurance system was more precisely to protect the families of the middle and lower classes.
Because they have a poor economic foundation, they have the weakest ability to resist risks. Once someone in the family gets sick, they either resign themselves to fate, or fall into poverty due to illness, or even lose their entire family due to it.
The Qin Mu family used to be like this. His father was originally a seventh-grade official and lived a good life. But when he was seriously ill, he spent all the family savings, and finally ended up in a situation where there was no cure. After his father passed away, it was him. His mother worked hard to bring him up.
On this matter, Qin Mu felt deeply that we could not just discuss it in the court, nor could we just listen to the voices of private think tanks or knowledgeable people. Because these social elites usually have relatively wealthy families.
So Qin Mu specially took a day to visit the lower class people on horseback with his guards and listen to their opinions and concerns on this matter.
Niu Wanshan, Li Shi and others followed behind, silent. Because Qin Mu's expression was a little solemn, after a visit, Qin Mu found that those who supported the implementation of the medical insurance system were mostly middle- and upper-income households.
Qin Mu wanted to protect the subordinates who belonged to the vulnerable groups the most. There is little support for health insurance.
The reason for this contrast is very simple. The middle- and upper-class households live relatively affluent lives. For them, it is very cost-effective for them to spend a little money to pay medical insurance premiums and enjoy free medical care.
As for the lower household, because life is relatively difficult, every penny is very important. Although the court's credibility is now very high, when it comes to money, these poor people still have many concerns.
Those who have patients at home are of course eager to implement this policy as soon as possible. Most people who don’t have patients at home are reluctant to pay this money. To put it harshly, it is said that one cannot see the coffin and is dissatisfied with tears, and that one cannot see the rabbit but does not let go of an eagle.
Just imagine, when they usually get sick, they often push through it and are reluctant to spend money to seek medical treatment. Now that they are not sick yet, they are asked to pay for medical insurance first. Are they happy
Most poor people are lucky and think that they will not get sick. Even if you get sick, you can get over it with just a few blows. It's very, very difficult to get rid of their luck. It's useless if you talk too much. Once they are asked to pay, they will become careless and careless.
The current population of the Qin Dynasty is less than 60 million. Even if Mongolia and Qinghai are included in the medical insurance system, the total number of people will only be just over 6,000.
Compared with the billions of people in future generations, it is only a fraction now. From this point of view. Things seemed much easier to resolve.
But this is not the case in reality. Firstly, there is a relative lack of medical resources, and secondly, people’s consciousness is relatively conservative. Thirdly, the land is vast and sparsely populated, and many places are very closed, making it difficult to seek medical treatment... In short, if we list them one by one, there are a lot of problems.
This is a policy that benefits the country and the people, but it is very difficult to implement it. This made Qin Mu frown. On the way back to the city, he didn't even bother to take a second look at the beautiful scenery along the Qinhuai River.
After returning to the palace, he immediately summoned the ministers to the Huagai Hall and asked the officials of the Ministry of Household Affairs straight to the point: "Xu Qing, Yang Qing, with Da Qin's current financial resources, do you have the ability to waive the medical insurance premiums of your subordinate households?"
Xu Yingjie and Yang Chao looked at each other, and Xu Yingjie came to answer: "Your Majesty, it first depends on how much medical insurance premiums each person has to pay per year. If the payment amount is large, it may be difficult for the national treasury to bear this cost for a long time. expenditure."
Qin Mu immediately turned to Wu Youxing and asked, "But, has the Tai Hospital investigated clearly? How much medical insurance do ordinary people need to pay per year to maintain the operation of this system?"
"Back to Your Majesty, we have only had time to make preliminary statistics in ** County and Tianchang County in Jiangbei. Based on the number of medical visits and drug sales in these two counties last year, divided by the total population of the two counties, the preliminary result is that at least every People have to pay an insurance premium of fourteen cents every year to barely be able to operate.
In addition, I would like to remind Your Majesty and all ministers that the current statistics are only rough data. If the medical insurance policy is really implemented, the insurance premium of fourteen cents per person will definitely not be enough.
Because many ordinary people now do not seek medical treatment after getting sick, and some who are seriously ill simply give up treatment and let the patients fend for themselves. Those with mild symptoms often do not seek medical treatment, but just deal with it.
Once the medical insurance system is implemented and these patients come to seek medical treatment, the funds required may double, or even more, to maintain normal operations. "
"Twenty-eight dollars per person?" Xu Yingjie was a businessman and had amazing mental arithmetic skills. He quickly calculated the number of households in Da Qin, and finally said helplessly: "Your Majesty, according to the figures registered in the Ministry of Household Affairs, the current number of households in Da Qin is It is about 30 million yuan. Based on 28 yuan per person per year, the additional medical expenses that the national treasury has to bear every year is 840,000 yuan.
Your Majesty, compared to the annual revenue of nearly 100 million dragon coins to the national treasury, this amount of money may not sound like much, but it is only the cost of medicine itself. If the medical insurance system is to be implemented, the current government medical resources are far from enough. Just to improve these would probably be a huge expenditure of millions.
In the future, we will have to bear the salaries of a large number of medical practitioners, which is another expense worth millions. Your Majesty, the national treasury can support such a large expenditure for a while, but it is by no means a long-term solution. "
Hearing Xu Yingjie's calculations, Qin Mu was a little confused. He thought for a moment and said, "Ministers, can this be done? The imperial court is only responsible for the treatment of some serious patients to prevent these families from falling into poverty due to illness. As for such minor illnesses, , no reimbursement will be given.”
Seeing that the emperor worked so hard and devoted himself to bringing benefits to the poor and sick people, the ministers sitting here were a little moved. Yang Tinglin worshiped and said: "Your Majesty, I am willing to donate half of the Dai salary to use my meager efforts."
Ministers such as Sima An, Lu Zhenfei, and Li Yuan also expressed their opinions and did not dare to fall behind others.
Qin Mu waved his hand and said, "I am very pleased that all the ministers have this intention, but this is not the solution after all. Let's not mention the donation of salary for the time being. We should think of other good ideas."
Lu Zhenfei said: "Your Majesty, everything is difficult at the beginning. The main reason for your Majesty's good disease is the large initial investment. After the medical institutions in various places are further improved, the only thing you will have to bear in the future is the more than 800,000 dragon coins. As for the hospital's expenses As for the salary of medical staff, I estimate that as long as it is run well, the hospital itself will definitely make some profits, which should be enough to cover the salary of medical staff. "
Qin Qiubai, the Minister of Rites, suggested: "If, as Mr. Lu Ge said, Chu Si's investment is large, can we provide a sum of money from the bank as a start-up capital? Now the imperial court's taxes have increased a lot every year, almost The start-up capital of one million dragon coins will not be a problem in repaying part of it from taxes every year. "
He Liang, Minister of the Ministry of War, was much more optimistic. He said from the ground: "Your Majesty, I think that if the long-term salary problem of medical staff can be solved, the rest will be a few million dragon coins for start-up capital, so there is no need to worry too much." , Now Li Ding’s troops are pointing at Tsarist Russia, Su Jin’s troops are out of Central Asia, and Hai Rufeng’s troops are approaching India. If nothing happens, you generals will always capture a lot.”
Qin Mu couldn't help but glance at He Liang. Hearing what he said, this way of thinking was very realistic.
Xu Yingjie said: "Actually, start-up funds are not a problem. The national treasury now has a surplus of more than 30 million dragon coins every year. The real problem is that with the rapid increase in the population of Daqin in the future, hospital resources will continue to increase, and the burden on the national treasury will also increase. It will get worse every year, and over time it will become a huge burden that will make the court unable to breathe.”
"Well, this new system will be implemented individually. No one knows what problems there will be. What I mean is to pilot it in two lower counties, two middle counties, and two upper counties to see if it can be implemented. Let’s talk about the specific problems. If they can be properly solved, then we can fully expand them. If there are really difficult problems, it won’t be too late to put them on hold. "What do you think, ministers
Sima An first nodded and said: "What your Majesty said is very good, I second it."
"I second my opinion."
"I second the proposal."
Let’s pilot it first. Talking alone won’t solve the problem. Piloting, observing and researching at the same time should be more practical.
After all the ministers sitting there had no objections, Qin Mu immediately said to Wu Youxing: "That's okay, then let the Taiyuan Hospital choose six counties to pilot it first. During the pilot process, if there are any specific problems, we will give feedback. "
Wu Youxing stood up, bowed his head and said, "My lord, I obey your order."
*****************************(To be continued...)
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