Personal medical insurance may help the family to pay for it. This implementation can reduce the burden for families with severe patients, make a family more closely linked and United, and realize a more rational and humanized use of personal account funds.

On August 26th, the National Medical Insurance Bureau issued the Guiding Opinions on Establishing and Perfecting the Economic Security Mechanism for Outpatients with Basic Medical Insurance for Employees (Draft for Comment). In the draft for comments, it is proposed to strengthen the function of outpatient economic security. To establish and improve the overall guarantee mechanism for general outpatient medical expenses, we will start with chronic outpatient diseases such as hypertension and diabetes, and gradually include the medical expenses of frequently-occurring and common diseases in the scope of payment of the overall fund.

This consultation means that chronic diseases and common diseases in outpatient clinics are expected to be included in the payment scope of the medical insurance pooling fund.

The exposure draft also proposes that the scope of personal accounts will be regulated. After the reform, the people who enjoy personal accounts will expand from the insured to their spouses, parents and children. In addition, it is also planned to improve the method of personal account entry, and all the original unit contributions will be included in the overall fund.

Zhu Ming, director of the Research Center for Health Economy and Medical Security of Nankai University, expressed his views on this matter. He believed that this would be beneficial to the optimization of the overall fund and individual account structure and increase the overall support for outpatient services. At the same time, it will also directly open up and standardize the * * * economy within the immediate family, so as to realize the more rational and humanized use of personal account funds.

There is a friend who can go to the pharmacy to buy medicine for reimbursement because his social security card is a gold card. However, his parents' social security card is a silver card, so it cannot be reimbursed when they go to the pharmacy to buy medicine. He is young, in good health, and has no illness or pain. Social security cards are basically not used very much. However, because the old man is sick, in order to reduce the burden of drug expenses at home, he can only use his gold card occasionally and go to the pharmacy to buy some suitable drugs that can be reimbursed for his parents. Although it can reduce the burden a little, it can only be a last resort, and it can't actually alleviate much.

if personal medical insurance can help his family pay, then his family's medical expenses can be reduced a lot.

Personal medical insurance can help families pay, which can reduce the burden on a family and make the sleeping funds be used effectively, which is a good thing for the country and the people.