In a move to deepen the implementation of the spirit of the 20th National Congress of the Communist Party of China and the tasks outlined in the 2024 Government Work Report, the National Medical Insurance Bureau (NMIB), in conjunction with the Ministry of Finance and the State Taxation Administration, has issued the Notice on Doing a Good Job in the 2024 Work Related to Basic Medical Insurance for Urban and Rural Residents. The notice aims to further improve the work related to basic medical insurance for residents, enhance the capacity of basic medical insurance, and alleviate concerns over medical expenses for the people.
2024 Funding Arrangements for Resident Medical Insurance
The notice specifies that for 2024, the financial subsidies from various levels of government for resident medical insurance will continue to increase, while the individual contribution increase will be moderately reduced. The financial subsidy and individual contribution standards will rise by 30 yuan and 20 yuan respectively, reaching 670 yuan and 400 yuan per person per year. This is the first time since 2016 that the increase in individual contributions is lower than the financial subsidy increase. It is emphasized that, in light of the rising life expectancy and continuous growth in medical consumption, reasonable adjustments to both personal contributions and government subsidies are necessary to maintain and enhance benefits and ensure the stability of the system.
2024 Treatment Guarantees for Resident Medical Insurance
To enhance the sense of accomplishment for participants, the notice stipulates steady improvements in basic medical insurance coverage, strengthened precision in the protection provided by major medical insurance, and enhanced coverage of生育 medical expenses for residents. This includes maintaining and improving hospitalization benefits, escalating outpatient coverage, and promoting the implementation of family sharing of individual accounts in employee medical insurance. It also calls for adjusting the threshold, reimbursement ratios, and maximum payment limits for major medical insurance to increase the accuracy of high medical expense protection. Furthermore, prenatal examination fees will be included in outpatient coverage, and the level of medical expenses for inpatient childbirth will be reasonably increased.
Continuing Efforts to Consolidate Medical Poverty Alleviation Achievements
The notice emphasizes the need to enforce comprehensive assistance policies, establish long-term mechanisms to prevent and mitigate the risk of poverty due to illness, and ensure enrollment in medical insurance for rural low-income populations and former poverty-stricken individuals, with a target participation rate of no less than 99%. It also outlines the need to implement medical assistance classification and sponsorship policies for these groups, and encourages regions with the capacity to increase the fixed amount of assistance. Additionally, it underscores the importance of monitoring and warning systems for patients with high medical expenses, promoting information sharing and collaboration among departments, and encouraging the involvement of charitable organizations in aid and support.
Incentives for Continuous Enrollment in Resident Medical Insurance
In line with the recent guidelines from the General Office of the State Council on establishing a long-term mechanism for basic medical insurance participation, the notice urges provinces to establish incentives for continuous participation in resident medical insurance. This includes implementing a reward system for those who have continuously participated in the program and those who have not claimed any reimbursements. The aim is to encourage consistent enrollment and promote the sustainability of the medical insurance system.
In summary, the National Medical Insurance Bureau’s measures for 2024 emphasize a balanced approach to financing, enhanced coverage, and targeted support for vulnerable groups. These efforts are expected to contribute to a more equitable and effective basic medical insurance system, providing greater peace of mind for China’s residents in terms of their healthcare needs.
【source】http://www.chinanews.com/gn/2024/08-26/10274701.shtml
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