(1) Expand coverage and achieve the goal of universal medical insurance as soon as possible.
Main measures: First, comprehensively resolve issues left over from history.
On the basis of including all retirees of closed and bankrupt state-owned enterprises into urban employee medical insurance, we will strive to coordinate and solve the insurance coverage issues for retirees of other closed and bankrupt enterprises and employees of enterprises in difficulty in 2010.
The second is to promote the participation of college students in insurance.
All newly enrolled college students will be included in the urban residents’ medical insurance, and college students already participating in commercial insurance will be connected to ensure their basic medical care.
The third is to increase efforts to promote the insurance participation of flexible employment personnel, migrant workers, etc., implement the optional insurance policy, and increase the insurance participation rate.
Fourth, the participation rate of the New Rural Cooperative Medical System continues to remain at a high level.
At the same time, in accordance with the goal of universal medical insurance, explore and establish a mechanism to guide all types of people to participate in long-term insurance, and reduce the "adverse selection" of enrolling in insurance when sick and withdrawing from insurance in the absence of illness.
(2) Improve and balance the level of medical security benefits and ensure basic medical care for the people.
Main measures: First, raise the cap line.
In 2010, the maximum payment limit for urban employee medical insurance, urban resident medical insurance and new rural cooperative medical insurance in all coordinated areas was increased to more than 6 times the annual average salary of local employees, disposable income of residents and per capita net income of farmers nationwide. In the future, with the economic and social development
Develop and continue to improve.
The second is to increase the reimbursement ratio for hospitalization medical expenses.
In 2010, the proportion of hospitalization expenses reimbursed within the scope of the urban residents' medical insurance and the new rural cooperative medical insurance policy will reach more than 60%, and the proportion of hospitalization expenses reimbursed within the scope of the employee medical insurance policy will also be increased.
At the same time, consider balancing the treatment levels of employee medical insurance, resident medical insurance and new rural cooperative medical insurance to continuously narrow the gap and promote social equity.
The third is to further reduce the personal burden of patients with serious and serious illnesses.
On the basis of standardizing corresponding treatment guidelines and disease treatment service packages, we will gradually explore and solve the problem of excessive personal burden on patients with major childhood diseases such as leukemia and congenital heart disease.
The fourth is to broaden the scope of protection.
In 2010, the urban residents' medical insurance outpatient services coverage will be expanded to 60% of the coverage areas, and the new rural cooperative medical care coverage will reach 50% (striving to reach 60%) of the coverage areas. It will take 2-3 years to fully implement it across the country and gradually solve the problem for the people.
The burden of medical expenses for common and frequently-occurring diseases.
The fifth is to increase medical assistance.
On the basis of subsidizing all urban and rural subsistence allowance recipients and five-guarantee households to participate in insurance, we will also provide subsidies for their medical expenses that are still unaffordable after being reimbursed by medical insurance.
Gradually carry out outpatient assistance and remove restrictions on the types of inpatient assistance.
Explore ways to provide relief for major and serious diseases.
(3) Strengthen medical insurance management and improve fund use efficiency.
Main measures: First, we will start to prepare social insurance budgets including medical insurance from 2010 to make fund management more scientific and standardized.
Regions with large fund balances will use methods such as preparing "deficit budgets" to expand coverage, improve treatment levels, and release excess balances within a time limit.
The second is to improve the level of medical insurance co-ordination, basically achieving municipal-level co-ordination in 2011, and enhancing the fund's financial capabilities.
Provinces and regions with a small number of insured persons and poor economic capacity are gradually exploring the implementation of provincial-level co-ordination.
The third is to strengthen the management of medical services, implement hierarchical management systems for designated medical institutions, and give full play to the supervisory and restrictive role of medical insurance on medical services.
The fourth is to improve the payment method, and implement capitation payment, disease-based payment, total advance payment, etc. In 2010, some diseases with clear clinical pathways were selected for pilot trials and gradually promoted in areas with conditions.
(4) Improve medical insurance services to facilitate the insured people.
Main measures: First, promote direct settlement, reduce personal advance medical expenses, and strive to solve the problems of "errands" and "advance payments" for insured persons.
Focusing on the “all-in-one card”, we will improve the medical insurance information system.
In 2010, 80% of coordinated areas realized direct settlement of medical expenses between medical insurance institutions and hospitals, and individuals did not have to pay medical expenses in advance.
The second is to focus on relocating retirees in other places and improve settlement management services for medical treatment in other places.
Reduce the number of people seeking medical treatment in different places by improving the level of coordination; promote intra-provincial online settlement and realize direct settlement of medical treatment in different places across cities in the same province as soon as possible; explore the establishment of a cooperation mechanism for regional agencies to gradually solve the problem of settlement of medical treatment in different places across provinces for insured persons.
The third is to do a good job in the transfer and continuation of the basic medical insurance relationship, ensuring simple procedures, standardized processes, and complete data sharing, so as to facilitate the majority of insured persons to continue the basic medical insurance relationship and enjoy benefits.
The fourth is to make full use of social resources and explore entrusting qualified commercial insurance institutions to provide medical security services to maximize convenience for insured persons.
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