The new policy of reimbursement for serious illness medical insurance refers to preferential treatment and adjustment for patients with rare diseases and special treatment methods on the basis of the original medical insurance reimbursement policy. Specifically, the policy includes the following aspects: 1. More favorable reimbursement rate: Under the new policy, people with rare diseases and entitled groups can enjoy a higher reimbursement rate for medical insurance. For example, the proportion of out-of-pocket expenses in designated hospitals for national or provincial key diseases has dropped below 30%, and the proportion of out-of-pocket expenses in designated hospitals for medical insurance below the provincial level has dropped below 20%. 2. More relaxed approval conditions: Under the new policy, patients with rare diseases and special treatments can enjoy more relaxed approval conditions. For example, patients whose medical expenses exceed the scope of social security payment can submit medical insurance reimbursement application materials after being assessed and confirmed by designated hospitals. 3. More convenient enjoyment process: Under the new policy, patients with rare diseases and special treatment can enjoy more convenient enjoyment process, such as exempting some pre-approval and speeding up the approval process. The implementation of the new policy of reimbursement for serious illness medical insurance has provided more benefits and convenience for patients with rare diseases and patients with special treatment methods, and alleviated the dilemma that some patients cannot get timely treatment due to cost problems. At the same time, this policy is also conducive to promoting the treatment and research of rare diseases and promoting the development of China's medical level.
What impact does the implementation of the new medical insurance reimbursement policy have on hospitals and social public finances? The new policy of reimbursement for serious illness medical insurance is mainly aimed at patients with rare diseases and special treatment methods, and the implementation of the policy has limited impact on hospitals and social public finances. Although preferential policies may increase the payment pressure of the medical insurance fund, the medical expenses of patients with rare diseases and special treatment methods are high, and the implementation of the new policy can alleviate the dilemma that some patients cannot get timely treatment due to cost problems. At the same time, this policy is also conducive to promoting the improvement of China's medical level and social welfare level, which has long-term development significance.
The implementation of the new policy of reimbursement for serious illness medical insurance has provided more benefits and convenience for patients with rare diseases and patients with special treatment methods, and alleviated the dilemma that some patients cannot get timely treatment due to cost problems. Although the implementation of the policy may increase the payment pressure of the medical insurance fund, the implementation of the new policy is conducive to promoting the treatment and research of rare diseases and promoting the development of China's medical level.
Legal basis:
"People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.