Medical insurance refers to social medical insurance. Social medical insurance is a social security system created by my country and society in accordance with certain relevant laws and regulations to provide basic medical service needs to employees within the scope of protection when they fall ill. Basically, the medical insurance fund is composed of The overall fund is composed of individual accounts. All the basic medical premiums paid by employees themselves are credited to their personal accounts; the basic medical premiums paid by the employer are divided into two categories, one part is allocated to the personal account, and the other part is used to create the overall fund.

The personal medical insurance accounts of employees across the country are about to undergo a critical change. According to the relevant provisions of the "Guidance on Establishing and Improving the Mutual Assistance and Guarantee Mechanism for Outpatient Basic Medical Insurance for Employees", in the future, the personal medical insurance accounts of employees across the country will be transferred to their insurance payment

2% of the base, and the implementation details will be officially announced by the end of the year at the latest.

Some friends are worried that the funds in personal medical insurance accounts have dropped. Will the medical insurance for everyone’s medical treatment be reduced in the future?

Such worries are understandable, but in fact, improving personal medical insurance accounts is only part of the reform and innovation of this medical insurance account. Generally speaking, the reduction of personal medical insurance account funds has further stimulated the development of social medical conditions and added opportunities for future expert consultations for the Chinese people.

Three major benefits.

Benefit 1: Improve hospital outpatient coordination. We all know that in the past, ordinary people used funds in their personal accounts to pay for medical expenses when seeking medical treatment in outpatient clinics, while hospitalization expenses were mainly paid from the overall account. The original intention of this design is to consider outpatient services as

Small problems are the main focus, and the cost is low. However, based on reality, many middle-aged and elderly people suffer from chronic diseases, so outpatient fees are generally relatively high, the burden of diagnosis and treatment is heavy, and personal accounts cannot be completely covered. In this reform, China will gradually

Outpatient fees for diseases and common diseases are included in the overall payment, and the payment ratio will exceed 50%.

In fact, this time the overall account medical insurance fund, which is based on reducing the increase in personal accounts, is mainly used for hospital outpatient assistance to improve the level of outpatient services. The most prominent thing is that in the future, outpatient fees for chronic diseases such as high blood pressure and diabetes will gradually change from individual medical insurance accounts to

For overall payment, the pressure on people to pay for medical care will be greatly reduced.

Benefit 2: Personal medical insurance accounts realize mutual assistance and mutual assistance. What is mutual assistance and mutual assistance in medical insurance?

Frankly speaking, the funds in our personal medical insurance accounts can meet the needs of parents, spouses and children in the future. At present, the distribution of medical insurance funds is unbalanced and incomplete. The elderly do not have enough medical insurance money, but young people do not use it, resulting in a poor medical insurance fund structure.

type consumption.

In this environment, the mutual aid role of personal medical insurance accounts emerges from time to time. The specific implementation methods are different in each place, but the key difference is that the account balance of the individual account is transferred to the mutual aid account for use by the main members of the family.

The medical insurance funds for "silent" individuals have been enlarged and strengthened.

Benefit 3: Reduce hospitalization rates and improve the efficiency of diagnosis and treatment resources. The increase in outpatient reimbursement rates and the popularization of medical insurance will further reduce hospitalization rates and rationally integrate medical network resources. In the past, under the medical model where outpatient treatment relied on personal accounts and inpatient treatment relied on comprehensive medical care,

Many people will choose inpatient treatment to increase the reimbursement rate, which to a certain extent leads to a misallocation of diagnosis and treatment resources. In the future, if outpatient fees can also be reimbursed, I believe many people will not consider inpatient treatment, but will choose more convenient outpatient clinics.

The optimized number of hospitalizations can be given to more deserving groups.

Unexpectedly, there are so many benefits behind the reform and innovation of personal medical insurance accounts. Generally speaking, it is not wrong to reduce the funds in medical insurance accounts. In order to further improve the employee medical insurance outpatient mutual assistance security system, we should understand and understand from an appropriate and comprehensive perspective.

Support health care reform, do you agree?