On August 26th, the National Medical Insurance Bureau issued "Guiding Opinions on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients (Draft for Comment)". In the draft for comments, it is proposed to strengthen the economic security function of outpatient service. Establish and improve the overall security mechanism for general outpatient medical expenses, start with chronic outpatient diseases such as hypertension and diabetes, and gradually include medical expenses for frequently-occurring and common diseases into the scope of payment of the overall fund.
This consultation means that outpatient chronic diseases and common diseases are expected to be included in the payment scope of medical insurance pooling fund.
The exposure draft also proposes that the scope of use of personal accounts will be regulated. After the reform, the number of people enjoying personal accounts will expand from the insured to spouses, parents and children. In addition, it is also planned to improve the personal account entry method, 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. He believes that this will be conducive to the optimization of the overall fund and personal account structure and increase the overall support for outpatient services. At the same time, it will directly open and standardize the * * * economy within the immediate family, and realize the more reasonable and humanized use of personal account funds.
A friend, because his social security card is a gold card, can go to the pharmacy to buy medicine for reimbursement, but his parents' social security card is a silver card, so going to the pharmacy to buy medicine cannot be reimbursed. He is young, healthy and has no illness. Social security cards are hardly used. However, because the old man is ill, in order to reduce the burden of drugs at home, he can only use his gold card occasionally and go to the pharmacy to buy some suitable drugs that can be reimbursed to his parents. Although it can reduce the burden a little, it can only be done as 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, reduce the burden on a family and make effective use of sleeping funds. It is a good thing for the country and the people.