随着全国大部分地区城乡居民医保费用集中征缴工作的完成，参保群众开始享受医疗保障服务。然而，对于一年380元的居民医保缴费标准是否合理，以及未生病居民是否“吃亏”等问题，引起了社会的广泛关注。国家医保局有关司负责人就此接受了记者的采访。
在国家医保局相关负责人看来，居民医保的缴费标准是根据保障水平、基金收支平衡等因素确定的，既考虑了居民承受能力，也保证了制度可持续发展。负责人强调，居民医保的定位是基本医疗保障，其目的是为了防范和化解居民因病致贫的风险，参保人员不仅能在生病时获得经济补偿，还能享受到国家提供的基本医疗公共服务。
对于未生病居民是否“吃亏”的问题，负责人解释说，居民医保实行的是社会共济原则，通过全体参保人员的共同缴费，为所有成员提供风险保障。即使当年没有使用医保服务，个人的缴费也为整个医保基金的运行和长期发展做出了贡献。同时，参保还能享受连续参保带来的待遇优惠，比如报销比例的提高等。
负责人还指出，居民医保的缴费标准是动态调整的，会根据经济和社会发展情况适时调整，以确保制度的公平性和可持续性。未来，国家医保局将继续优化居民医保政策，提高保障水平，减轻参保人员的负担。
英文翻译内容：
Title: Official Clarifies Value of Resident Medical Insurance Participation Amid Controversy Over Premiums
Keywords: Resident Medical Insurance, Premiums, Participation Value
News content:
As most regions in China have completed the centralized collection of resident medical insurance fees, the insured public has begun to enjoy medical security services. However, the controversy over the reasonableness of the 380 yuan annual premium for resident medical insurance and whether it is a “loss” for residents who do not get sick has sparked widespread public concern. A responsible person from the National Healthcare Security Administration (NHSA) recently addressed these issues in an interview with reporters.
According to the NHSA official, the premium standard for resident medical insurance is determined based on the level of protection, balance of funds, and other factors, taking into account the affordability of residents and ensuring the sustainability of the system. The official emphasized that the resident medical insurance is positioned as basic medical security, aiming to prevent and mitigate the risk of impoverishment due to illness. By participating in the insurance, individuals not only receive economic compensation when they are sick but also enjoy the basic medical public services provided by the state.
Regarding the question of whether it is a “loss” for residents who do not get sick, the official explained that the resident medical insurance operates on the principle of social mutual aid, with the collective contributions of all participants providing risk protection for everyone. Even if an individual does not use the medical insurance service in a given year, their contribution contributes to the operation and long-term development of the entire medical insurance fund. At the same time, continuous participation in the insurance also brings benefits such as higher reimbursement rates.
The official also pointed out that the premium standard for resident medical insurance is dynamically adjusted and will be adjusted appropriately in light of economic and social developments to ensure the fairness and sustainability of the system. In the future, the NHSA will continue to optimize resident medical insurance policies, improve the level of protection, and reduce the burden on participants.
【来源】http://www.chinanews.com/sh/2024/03-25/10186144.shtml
Views: 2