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The city of Nanjing is divided into two counties, Jiangning County to the north and Shangyuan County to the south.

The people in the city used to call the outer Guo of Shangyuan County Nanxiang.

On this day, Qin Mu took the guards and walked in micro-clothes to imitate some relatively poor people living in Nanxiang. Then return to the city from Shouniu Mountain along the willow embankment of the Qinhuai River.

Since he proposed the medical insurance system and published it in the "Daqin Times" to solicit opinions from the people, it has aroused huge repercussions, and the people have launched a heated discussion on it.

The think tanks and people of insight who are beginning to take shape in the private sector have offered suggestions and suggestions for this, but of course, there are many opposing voices who think that this is a lofty and far-reaching person.

But the reality is that the voices of the lower classes are the weakest in any era.

The original intention of Qin Mu to propose the medical insurance system was more to protect the homes 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 is sick, or resigned to fate, or due to illness and poverty, or even bankrupt.

The Qin Mu family was like this in the past, his father was originally a seven-grade petty official, and he lived a good life, but when he was seriously ill, he spent all the family's savings, and finally ended up with no medicine to eat.

In this matter, Qin Mu deeply felt that he could not only discuss it in the court, nor could he only listen to the voices of non-governmental think tanks or people of insight. Because these social elites are usually from relatively wealthy families.

It was Qin Mu who deliberately took a day to visit the lower-class people on horseback with his guards and listen to their opinions and concerns.

Niu Wanshan, Li Shi and others followed behind, silent. Because Qin Mu's expression was a little dignified, after a visit, Qin Mu found that most of the people who supported the implementation of the medical insurance system were those middle and upper households.

And what Qin Mu wants to protect most is the lower households belonging to the disadvantaged groups. There is very little support for health insurance.

The reason for this contrast is also very simple: the middle and upper households are relatively wealthy, and it is very cost-effective for them to spend a little money to pay medical insurance premiums and enjoy free medical care.

And because life is more difficult, the lower households take every penny very seriously. Although the credibility of the imperial court is very high, when it comes to money, these poor people still have many concerns.

Those who have sick people at home are of course eager to implement this policy sooner rather than later. Most people who do not have a sick person in their family are reluctant to pay for it. If you say that it is ugly, you can't see the coffin, you can't cry, you don't see the rabbit, you don't scatter the eagle.

Imagine, when they are usually sick, they are often forced to go over, unwilling to spend money to seek medical advice, and now they are not sick, they want them to pay for medical insurance first, are they happy?

Most of the poor people are lucky, thinking that they will not get sick. If you are sick, you can pass it one by one, and it is very difficult and difficult to eliminate their luck in their hearts. It's useless to talk nonsense. As soon as they make them pay for it, they will be big-hearted and small-hearted.

At present, the population of Daqin is less than 60 million, and even if Mongolia and Qinghai-Tibet are included in the medical insurance system, the total number is only about 6,000.

Compared to the billions of people in the future, it is only a fraction of the present. From this point of view. It seems that things are much easier to solve.

However, this is not the case, firstly, there is a relative lack of medical resources, and secondly, people's consciousness is still relatively conservative. Third, the land is vast and sparsely populated, many places are still very closed, and it is difficult to seek medical treatment.

It is a policy that benefits the country and the people, but it is full of difficulties if it is really to be implemented. This made Qin Mu frown, and on the way back to the city, he didn't even bother to take a look at the beautiful scenery by the Qinhuai River.

After returning to the palace, he immediately summoned the ministers to the Huagai Palace, and asked the household officials straight to the point: "Xu Qing, Yang Qing, with the current financial resources of Great Qin, is there any ability to exempt the medical insurance premiums of the subordinate households?" ”

Xu Yingjie and Yang Chao looked at each other, and Xu Yingjie replied: "Your Majesty, this first depends on how much medical insurance premiums each person has to pay a year, if the amount of payment is large, I am afraid it will be difficult for the treasury to bear this expenditure for a long time." ”

Qin Mu immediately turned his head and asked Wu Youxing: "Again, has the investigation of the hospital been clear, how much medical insurance do ordinary people have to pay a year to maintain the operation of this system?" ”

Based on the number of people who sought medical treatment in these two counties last year, as well as the volume of drug sales, divided by the total population of the two counties, the preliminary result of the statistics is that at least 14 yuan per person has to pay an annual insurance premium, which is barely enough to operate.

In addition, the minister would like to remind His Majesty and the ministers that the current statistics are only rough numbers, and if the medical insurance policy is really implemented, the insurance premium of 14 wen per person will definitely not be enough.

Because many ordinary people do not seek medical treatment after getting sick, and some who are seriously ill simply give up medical treatment and leave the patients to fend for themselves. Those with mild symptoms often do not seek medical attention, but suffer from it.

Once the health insurance system is implemented and these patients come to the hospital, the cost of the medical insurance system may be doubled, or even more, to maintain normal operation. ”

"Twenty-eight Wen alone?" Xu Yingjie was born as a businessman, and his mental arithmetic ability was amazing, he quickly calculated the number of people in Daqin's household, and finally said helplessly: "Your Majesty, according to the number of households registered in the household department, the current number of people in Daqin's household is about 30 million, and at 28 Wen per person per year, the annual medical expenses to be borne by the treasury are 840,000 dragon coins.

Relative to the annual revenue of nearly 100 million dragon coins from the national treasury, this money may not sound like much, but this is only the cost of medicine itself. If the medical insurance system is to be implemented, the current government medical resources are far from sufficient, and it is likely that the improvement of these will be a huge expenditure of millions of dollars.

In the future, there will be a large number of salaries for medical practitioners, which is another multi-million dollar expense. With such a large expenditure, the treasury can be held up for a while, but it is by no means a long-term strategy. ”

Hearing Xu Yingjie's calculations, Qin Mu was also a little big, he thought for a while and said: "Then ministers, is this okay, the imperial court only bears the treatment of some seriously ill patients, so as to prevent these families from returning to poverty due to illness, and as for such a minor illness, they will not be reimbursed." ”

Seeing that the emperor was painstaking and lonely and bent on seeking benefits for the poor and sick people, the ministers present were a little moved, and Yang Tinglin bowed and said: "Your Majesty, the minister is willing to donate half of Dai Lu to do his best." ”

Sima An, Lu Zhenfei, Li Yuan and other ministers also expressed their stance one after another, not daring to fall behind.

Qin Mu waved his hand and said: "The ministers have this intention, and I am very relieved, but this is not the way after all, donating the act of donating money, let's not mention it for the time being, let's think of another good plan." ”

Lu Zhenfei said: "Your Majesty, everything is difficult at the beginning, Your Majesty's good disease, mainly because of the initial investment, and after the medical institutions around the country are further improved, the future will only bear the more than 800,000 dragon coins, as for the salaries of the hospital's medical staff, the minister estimates that as long as the operation is good, the hospital itself will definitely be able to have some profits, which should be enough to afford the salaries of the medical staff." ”

Qin Qiubai Jian, the secretary of the Ministry of Rites, said: "If it is just a large investment in the beginning, as the elder of Lu Ge said, can you supply a sum of money from the bank as a start-up capital." Now that the imperial court's annual taxes have increased a lot, it will not be a problem to take a part of the tax to repay it every year with the start-up capital of several million dragon coins. ”

He Liang, the secretary of the Ministry of War, was much more optimistic, and his old god said on the ground: "Your Majesty, the minister thinks that if the long-term salary problem of medical personnel can be solved, the remaining start-up capital of millions of dragon coins is not too bothered, and now Li Dingbing refers to Tsarist Russia, Su Jin's troops are out of Central Asia, and the sea is like the wind in India, if nothing else, the generals will always have a lot of captures." ”

Qin Mu couldn't help but glance at He Liang, hearing him say this, this way of thinking is very realistic.

Xu Yingjie said: "In fact, the start-up capital is not a problem, and the treasury now has a surplus of more than 30 million dragon coins every year. The real problem is that with the rapid increase of Daqin's population in the future, the hospital resources will also continue to increase, and the burden on the treasury will also increase year by year. Over time, it will become a huge burden and leave the imperial court breathless. ”

"In this way, this new system, individual implementation, no one knows what problems there are, I mean, first find two lower counties, two middle counties, two upper counties to pilot, see what specific problems are in the implementation, and then fully roll out. If there is a problem that is difficult to solve, it is not too late to put it aside. What do you think, ministers? ”

Sima An first bowed his head and said: "What His Majesty said is very good, and the minister seconded it." ”

"The minister seconded the proposal."

"The ministers seconded the proposal."

Let's pilot first, just talking can't solve the problem, while piloting, while observing, while studying, so as to be practical.

After the ministers present had no objections, Qin Mu immediately said to Wu Youxing: "It's okay, then the Tai Hospital will choose six counties and pilot it first." During the pilot process, if there are any specific problems, feedback will be given. ”

Wu Youxing stood up and said, "Minister, obey the order." ”

(To be continued......)