The National Healthcare Security Administration elaborates on the "1+3+N" multi-level medical security system
2024-09-10
Today, the State Council Information Office held a series of themed press conferences on promoting high-quality development, and the National Healthcare Security Administration introduced the relevant situation. Zhang Ke, Director of the National Medical Security Administration, stated that the basic medical security system mainly covers three aspects: first, employee medical insurance and resident medical insurance, which are basic medical insurance. Secondly, medical assistance was provided to 80.2 million disadvantaged groups in 2023. Thirdly, it is major illness insurance. As long as one participates in the urban and rural residents' medical insurance, they automatically qualify for major illness insurance. If the insured person's personal expenses exceed a certain limit during medical treatment, especially hospitalization, the major illness insurance will be automatically activated, which can help everyone save more personal out of pocket expenses. This is the triple guarantee of the basic medical insurance system. But there is still a big gap between these three guarantees and the growing medical and health needs of the people, which is highlighted in the contradictions in three aspects Zhang Ke said that firstly, due to the limited funding level of basic medical insurance, many expensive drugs are difficult to guarantee, which contradicts the infinite needs of the people. Secondly, the basic medical insurance system is relatively unified. But this unity is contradictory to the differences in economic and social development levels across the country, as well as the differences in disease spectra in different regions. Thirdly, the rules and directory of basic medical insurance have a certain degree of stability and cannot be adjusted at any time. It is also difficult to include a new drug or technology in the directory. This is also somewhat contradictory to the rapid development and changes in drugs, equipment, and medical technology. How to resolve these contradictions? Zhang Ke said that in accordance with the deployment requirements of the Party Central Committee and the State Council, especially the clear requirements of the central government in recent years, a multi-level medical security system should be built. In addition to basic medical insurance, this multi-level system mainly includes the following aspects: welfare insurance, which is a type of insurance supported by the government, as well as other commercial health insurance, charity, trade union mutual aid, and other funds. The participation of these forces can not only meet the diverse, differentiated, and rapidly changing medical and health security needs of the people, but also form a complementary combination with basic medical security. This is the relationship between "3" and "N". In order to ensure the effective operation of the multi-level medical security system, the National Healthcare Security Administration is actively promoting digital technology, which provides a basic information platform. This basic information platform includes: "one person, one file", which means everyone has a set of health records; 'One medicine, one code' means that every medicine box has a traceability code, which will be able to trace the flow of each box of medicine in the future, ensuring that the people can have access to 'safe medicine'; Commercial insurance companies and charitable organizations are very concerned about whether they can find the right person and obtain the real ticket through "one single sorting" and "one vote one verification". The National Healthcare Security Administration can provide these conditions for participating institutions in multi-level medical security through big data technology services. On the basis of digitization, we will work together to strive to more effectively meet the growing medical and health security needs of the people. This is building a multi-level medical security system based on '1' and coordinated by '3+N' Zhang Ke said. (New Society)
Edit:HAN ZHUOLING Responsible editor:CAICAI
Source:people.com
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