1. Adjustment of payment standard: With the development of economy and society, the payment standard of medical insurance may be adjusted accordingly. This may involve changes in the payment ratio and payment base of individuals and units. The specific adjustment range and method will depend on the local economic situation, the operation of the medical insurance fund and the decision of policy makers.

2. Adjustment of reimbursement ratio: The reimbursement ratio of medical insurance may also be adjusted according to the actual situation. This may involve the reimbursement ratio of different medical items, different drugs and different groups of people (such as the elderly and children). The purpose of adjustment is to better protect the medical needs of the insured and ensure the sustainable development of the medical insurance fund.

3. Update of medical insurance catalogue: The medical insurance catalogue is an important basis for determining which drugs and medical treatment items can be included in the scope of medical insurance reimbursement. In 2024, the medical insurance catalogue may be updated to include some new and more effective drugs and treatments in the scope of reimbursement, and at the same time, some items that are no longer applicable or have poor efficacy may be adjusted or cancelled.

4. Reform of medical insurance payment methods: In order to better control medical expenses and improve the efficiency of the use of medical insurance funds, medical insurance payment methods may be reformed. This may involve the incentive and restraint mechanism for designated medical institutions and doctors, as well as the combination of medical insurance and commercial insurance. The purpose of the reform is to promote the improvement of medical service quality and the reasonable control of medical expenses.

Attention should be paid to the use of medical insurance cards:

1. Cash withdrawal is prohibited.

No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.

2. Some provincial and municipal medical insurance cards can be used by the whole family.

In some provinces and cities, such as Zhejiang Province and Guangzhou City, the surplus funds of individual medical insurance accounts over the years can be used to pay the medical insurance expenses of employees' spouses, children, parents and other close relatives who participate in basic medical insurance, so as to realize mutual assistance among family members.

3. The following medical insurance will not be paid.

Seeing a doctor in a non-designated medical institution or buying medicine in a non-designated retail pharmacy (except emergency): self-injury caused by personal fighting, drug abuse or other illegal acts; Treatment for alcoholism, suicide and self-mutilation; Injuries caused by traffic accidents, medical accidents or other liability accidents; And the situation that the state or local regulations should be paid by individuals.

To sum up, it is suggested to pay attention to the official information of local medical insurance departments or related institutions in order to keep abreast of the latest developments of medical insurance policies.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 12

The basic medical insurance premium is levied on a monthly basis, and the employer and employees shall pay the basic medical insurance premium to the tax collection authority within the prescribed time limit. The part that individual employees should pay shall be withheld and remitted by the employer from their wages.