1, medical insurance drug list adjustment. From 10/day in 2024, the new national medical insurance drug list will be officially implemented, including 1 26 new drugs and 1 imported drugs. These adjustments are designed to better meet the medical needs of patients, especially in the fields of anti-tumor, rare diseases and anti-virus. At the same time, it also includes drugs for chronic diseases such as diabetes, such as Dogleetin for patients with type II diabetes.
2. Provincial overall planning of medical insurance. From 2024, Sichuan, Liaoning and other places will promote the provincial-level coordination of medical insurance. This will gradually unify the treatment guarantee policies of employees' medical insurance and residents' medical insurance participants in the province under different systems, including hospitalization, general outpatient service, outpatient chronic special diseases and "two diseases" outpatient drug treatment. This reform helps to protect the rights and interests of the insured and ensure the stable and sustainable operation of the medical insurance fund.
3. Expand the coverage of medical insurance. The medical insurance policy will further expand the coverage, including urban and rural insured persons, and cover more treatment items, such as chronic disease management expenses, such as diabetes and hypertension.
4. Increase the proportion of medical insurance reimbursement. In some areas, the proportion of medical insurance reimbursement will be increased, especially for patients with chronic diseases. The new reimbursement ratio will enable them to obtain certain subsidies for long-term treatment.
5. Optimize the medical insurance reimbursement process. By simplifying the procedures, the audit efficiency is improved, and the insured can get reimbursement faster.
6. Strengthen medical insurance supervision. Relevant departments will strictly supervise medical institutions and pharmacies to prevent excessive medical treatment and unreasonable charges.
Medical insurance card is a kind of social security card, which has many uses. The following are the benefits of the medical insurance card:
1, when using the ID card: the medical insurance card can be used as a valid certificate for identity authentication.
2. It can be used as a bank card: the medical insurance card has a financial function and can be used for banking business such as deposit and withdrawal and transfer.
3. Social security card is not equal to "medical insurance card": social security card includes many functions such as medical insurance and pension, and medical insurance card is only one kind of social security card.
4. Pay and receive pensions: The medical insurance card can be used to pay and receive pensions.
5. Business abroad: Citizens with medical insurance cards can enjoy relevant preferential policies when going abroad.
6. You can apply for various insurance benefits: the medical insurance card can be used to apply for various insurance benefits, such as unemployment insurance and maternity insurance.
To sum up, the national basic medical insurance is a social insurance system with welfare nature, which aims to compensate workers for economic losses caused by disease risks. After the insured person has medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by the illness and treatment of employees.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 29
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.