202 1 there are five new changes in medical insurance, which makes it more convenient and cheaper for everyone to see a doctor, you know?

Old-age insurance can provide retirees with a certain source of income and ensure their life is not restricted, while medical insurance can not only alleviate the pressure of retirees to see a doctor, but also ensure that on-the-job employees can really enjoy medical insurance benefits. 202 1, medical insurance ushered in five new changes, which are closely related to everyone's life. Today, let's take a look:

First, the funds in the personal account of employee medical insurance have decreased.

In August, 2020, 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)", which improved the method of calculating and distributing employees' personal accounts. In addition to the 2% personal payment, a part of the original medical insurance personal account was also included in the personal account. However, now that all corporate contributions are included in the overall fund, individuals seem to have lost a sum of money. But in fact, it better guarantees people's medical care, because the reduced personal account fund will be mainly used for outpatient economic security and improving outpatient medical reimbursement.

Second, the scope of use of employee medical insurance personal accounts has expanded.

In the past, the personal account of medical insurance could only be used by oneself and was not allowed to be lent to others. However, this exposure draft suggests that my medical insurance card can also be used by my spouse, parents and children, and I can go to pharmacies to buy medicines and medical consumables, such as rehabilitation equipment and health care equipment, which expands the scope of use of medical insurance cards, and is more conducive to optimizing the allocation of medical resources and making people's lives more convenient.

Third, the national insurance information is interconnected.

In the past, our medical insurance information was not connected to the national network. Once you change the payment city, you may not be able to find all the insurance payment records. In September, 2020, the Guiding Opinions on Strengthening and Improving the Participation in Basic Medical Insurance proposed that from 20021,the national participation information should be interconnected, and the participation payment of the insured should be verified by using the national unified medical insurance information platform. It not only improves the statistical quality of insurance information, but also effectively controls the phenomenon of repeated insurance and cross-system insurance, effectively reducing the waste of national social security funds.

Fourth, the medical insurance is paid off, and the insured person has the treatment of waiting period.

Once the medical insurance was cut off in the past, you can't enjoy the medical insurance reimbursement from the next month, which is a great pity for those who have cut off the medical insurance because of changing jobs or some force majeure factors. However, it is clearly stated in the Guiding Opinions that for those who have been insured for 2 years or more, the payment will be suspended for no more than 3 months, and they can enjoy medical insurance benefits seamlessly after renewal. For those who have been insured for more than 3 months, each region can set a waiting period of no more than 6 months according to its own situation. Fails to pay, suspend the medical insurance relationship. This measure is very humanized, which guarantees the medical insurance benefits of the insured and effectively improves the continuity of medical insurance payment. In short, it is more conducive to the people to see a doctor.

Fifth, outpatient expenses can be settled directly across provinces.

With the continuous strengthening of outpatient co-ordination, the state is constantly improving the medical insurance reimbursement process while ensuring the people to enjoy the medical reimbursement treatment. It is estimated that by the end of this year, China will realize the inter-provincial settlement of outpatient expenses. Foreigners can directly use social security cards to settle expenses, without having to pay their own money first, and then go back to the insured place to apply for reimbursement with a bunch of proof materials, which saves complicated reimbursement procedures and greatly saves time and cost.

It is inevitable to get sick and be hospitalized in life, and every reform of medical insurance policy is constantly improving the social security system, making people more convenient and more people will benefit from it in the future.