Shenzhen's New Medical Insurance Measures Boost the High Quality Development of Medical Security
2024-02-20
Triple guarantee, bottom line service, quality improvement, and people's livelihood. Shenzhen's new medical insurance measures promote the high-quality development of medical security. Medical security, as a major institutional arrangement to reduce the burden of medical treatment, enhance people's well-being, and maintain social harmony and stability, is an important livelihood work and project that concerns the vital interests of the people. In 2023, the Shenzhen Medical Security Bureau promoted the revision and promulgation of the "Shenzhen Medical Security Measures" (hereinafter referred to as the new "Medical Insurance Measures"), establishing employee medical insurance and resident medical insurance systems respectively, improving the multi-level medical security system, effectively solving the concerns and concerns of the public, and creating a "Shenzhen medical insurance model" in the construction of a healthy and happy China, promoting the high-quality development of the medical security industry and taking solid steps. "Triple protection" upholds the bottom line of people's livelihood, "supports me with a sky full", "I feel like the sky has collapsed, and I don't know how to face the next life. Thanks to the Shenzhen medical insurance policy, it has helped me save most of my medical expenses." Zhou, 55 years old and living in Futian District, was diagnosed with lung cancer last year. Faced with a sky high annual treatment cost of over 200000 yuan, he spends more than 20000 yuan per month. With poor economic conditions, he doesn't know how to raise this "huge sum". When Lao Zhou was preparing to be discharged and received the medical expense settlement form, he was surprised to find that he only needed to bear a few hundred yuan of expenses per month. "The first reaction was that the hospital miscalculated." After inquiry, Lao Zhou learned that after the implementation of the new "Medical Insurance Measures" in Shenzhen, the "triple guarantee" mechanism of basic medical insurance, major illness insurance, and medical assistance in Shenzhen has been further improved, more effectively preventing insured individuals like Lao Zhou from falling into poverty or returning to poverty due to illness. The medical insurance staff helped Old Zhou calculate a clear account: he incurred a total of 21943.11 yuan in medical expenses during his one month hospitalization, with 18219.85 yuan paid by the basic medical insurance fund and 2224.7 yuan paid by the major illness insurance. Like most insured individuals in Shenzhen, medical insurance reimbursements exceeded 90%. In addition, because Lao Zhou is a low-income household, the medical assistance fund helped him pay 500.55 yuan, and Lao Zhou only needs to pay 998.01 yuan personally. "The most considerate thing is that these expenses are directly waived, and there is no need for me to advance funds before reimbursement, which is really convenient and reduces my fundraising pressure." Old Zhou said with relief, hearing the staff introduce this as a "one-stop" medical insurance settlement. When he was suffering from illness, "it was Shenzhen's medical insurance policy that supported me!" It is reported that after the implementation of the new "Medical Insurance Measures" in Shenzhen, Shenzhen's medical insurance benefits have been comprehensively improved. By increasing the reimbursement ratio of medical materials over 1000 yuan and adding separate payment benefits for national negotiated drugs, the actual reimbursement ratio of hospitalization expenses under medical insurance has reached 90.7%, ranking among the top in the country. "; The annual reimbursement limit for ordinary outpatient services has also been significantly increased, with the current highest amount of employee medical insurance reaching 11532 yuan, employee medical insurance reaching 2471 yuan, and resident medical insurance reaching 2471 yuan; The threshold for using personal medical insurance accounts has also been lifted, and medical insurance cards can be used as long as there is a balance, providing better protection for insured individuals. The scope of medical insurance coverage has been expanded, "it really touched my heart." "At that time, I was..."
Edit：GuoGuo Responsible editor：FangZhiYou
Source：chinanews.com
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