The Triple System of Medical Insurance Escorts "Healthy China"
2024-04-22
In order to help millions of families cope with the economic risks brought by medical expenses for diseases, starting from 2015, the country has fully implemented a triple system of basic medical insurance, major illness insurance, and medical assistance, gradually reducing the burden of medical expenses on the public. The National Medical Insurance Administration recently released the "2023 Statistical Express on the Development of Medical Security", which shows that in 2023, the triple system of basic medical insurance, major illness insurance, and medical assistance has cumulatively benefited 186.498 million low-income rural residents to seek medical treatment, reducing the burden of medical expenses by 188.35 billion yuan. Basic medical insurance, which includes employee medical insurance and resident medical insurance, adheres to the "basic plan". Employee medical insurance has been piloted since 1994 and officially established in 1998, mainly covering the employed population. The resident medical insurance is integrated from the "New Rural Cooperative Medical Scheme" established in 2003 and the basic medical insurance for urban residents established in 2007, mainly covering the non employed population. "My father, myself, and my younger sister all suffer from high blood pressure and high blood sugar." Speaking of medical insurance, Mr. Ma, who lives in Qinhuangdao City, Hebei Province, deeply feels it. "Over the years, just in terms of antihypertensive drugs, medical insurance has saved our family a lot of money." For ordinary residents and chronic disease patients, whether hospitalized or taking medication, medical insurance is a "necessary option" in daily life. Through medical insurance, thousands of families have reduced their worries and improved their happiness index. Over the past 20 years, the scope of drugs covered by basic medical insurance has expanded from over 300 drugs in the early stages of the establishment of the New Rural Cooperative Medical Scheme to 3088 drugs now, covering over 90% of the drugs used in public medical institutions, as well as 74 tumor targeted drugs and over 80 rare disease drugs. The constantly expanding "basic plate" has supported the "sky" of people seeking medical treatment and medication. At the same time, in order to enable the general public to enjoy more convenience and affordability, medical insurance is also keeping pace with the times. New ways such as electronic medical insurance card, Internet settlement, and off-site medical treatment are constantly emerging. Ultrasound, CT, MRI and other examinations, as well as painless and minimally invasive surgeries, have been included in the reimbursement. "For many years, China's medical insurance has been continuously guided by the needs of the masses, committed to improving its guarantee capabilities, and providing more intelligent and refined service experiences for the people," said the relevant person in charge of the National Medical Insurance Administration. Critical illness insurance, building a high "firewall". Critical illness insurance is a system arrangement that further ensures the high medical expenses of insured patients on the basis of resident medical insurance. It was piloted in 2012 and fully implemented in 2015. This system does not require separate application for insurance, and all residents who participate in resident medical insurance are insured by serious illness insurance and do not need to pay separately. "The policy of medical insurance benefiting the people has greatly reduced the economic burden on my family," said Mr. He, an insured resident from Dazhou City, Sichuan Province. He, who was in his prime, had been working with his father in another city. Although he was not wealthy, his life was relatively stable. But unexpected circumstances arose, and he was diagnosed with a bronchopleural fistula, with an estimated medical cost of over 1 million yuan. Under the protection of the major illness reimbursement policy, he ultimately reimbursed around 180000 yuan through resident medical insurance and 570000 yuan through major illness insurance, totaling around 750000 yuan, successfully overcoming difficulties. Currently, urban and rural residents
Edit：GuoGuo Responsible editor：FangZhiYou
Source：gmw.cn
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