1, outpatient expenses will be included in the payment scope of the employee medical insurance pooling fund, which will better solve the problem of outpatient insurance for insured personnel and effectively reduce the burden of medical expenses.

2. Reform the individual accounts of employees, adjust the overall fund and individual account structure, increase the outpatient economic security overall fund, expand the scope of individual accounts, and realize the economic benefits of families. It is estimated that from February 1 day, the money in the personal medical insurance card will be allowed to pay for the medical expenses of spouses, parents and children, which can be used legally without affecting commercial insurance.

3. Set the proportion of medical insurance payment for different levels of medical institutions. The new policy has no restrictions on medical institutions, no need to agree on any medical institutions, no need to apply for referral, and can be used in designated retail pharmacies. Even if there is no money on the medical insurance card, you can go to the pharmacy to buy medicine and enjoy medical insurance benefits.

Development of medical insurance

China's medical insurance system was born with the establishment of New China, developed with the development of the times, and has distinct characteristics of the times. For more than 70 years, every institutional arrangement and every policy move in every stage of the evolution and development of the medical insurance system is a response to the people's medical insurance demand under the social and historical background at that time.

Throughout the world today, there are mainly four medical insurance system models, namely, the national medical insurance system model represented by Britain, the social medical insurance system model represented by Germany, the commercial medical insurance system model represented by the United States and the savings medical insurance system model represented by Singapore.

The main problem to be solved in China's new medical insurance system is to adapt to the needs of China's market economic system reform and development, and to establish a medical security system covering all employers, independent of employers and implementing socialized management.