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In order to thoroughly implement the spirit of the 20th National Congress of the Communist Party of China and the relevant task requirements of the 2024 "Government Work Report"，Further improve the work related to basic medical security for urban and rural residents，Continuously enhance basic medical security capabilities，Strive to relieve people’s worries about medical treatment，National Medical Insurance Administration in conjunction with the Ministry of Finance、The State Administration of Taxation issued the "Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2024" (Milbaofa [2024] No. 19)，Hereinafter referred to as "Notice")。The relevant content is now interpreted as follows:

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To actively adapt to the increasing average life expectancy、The level of medical consumption continues to increase，Consolidate and improve the level of residents’ medical insurance benefits，The "Notice" is clear，In 2024, finance at all levels will continue to increase subsidies for residents’ medical insurance participation and payment，At the same time, the increase in personal payment of residents will be appropriately reduced，Financial subsidies and personal payment standards increased by 30 yuan and 20 yuan respectively compared with the previous year，Not less than 670 yuan and 400 yuan per person per year respectively。This is the first time since 2016 that the new standard of personal payment is lower than the standard of financial subsidy。What needs to be explained is，As life expectancy continues to increase、In the context of continued improvement in medical consumption levels，Reasonably raising personal payment and financial subsidy standards is an objective need to consolidate and improve the level of benefits and ensure the smooth operation of the system。In addition，The "Notice" also requires the simultaneous optimization of the critical illness insurance financing structure，Emphasis on the timely and full allocation of financial subsidies at all levels as required，Not allowed to occupy、Misappropriation。

　　二、What are the specific requirements for residents’ medical insurance benefits in 2024？

In order to effectively enhance the people’s sense Dafabet reviewsof gain from participating in insurance，The "Notice" clearly requires the steady improvement of basic medical security levels、Enhancing the precise protection capabilities of critical illness insurance、Strengthening the protection of maternity medical expenses under residents’ medical insurance。First, continue to consolidate the level of hospitalization benefits，Steady improvement of outpatient protection level，Comprehensively promote the implementation of employee medical insurance personal account family mutual aid policy。The second is to reasonably determine the minimum payment standard for critical illness insurance、Reimbursement ratio and maximum payment limit，Improving the accuracy of protecting high medical expenses for seriously ill patients。The third is to include the cost of prenatal examinations in outpatient insurance，Reasonably improve the level of medical expense protection for hospitalized childbirth and childbirth。The "Notice" places special emphasis on promoting the unification of institutional policies and norms，Require all provinces to organize a three-year action plan to "look back" on the medical security benefit list，Actively and steadily promote the provincial coordination of basic medical insurance，Exploring incentive and restraint measures for continuous insurance participation in accordance with the clear direction of the country，At the same time, gradually unify the centralized collection period。

　　三、How to do a solid job in consolidating the results of medical insurance poverty alleviation in the second half of the transition period？

"Notice" requires the implementation of comprehensive medical insurance support policies，Establish a long-term mechanism to prevent and resolve the return to poverty due to illness，Do a good job in participating in insurance for low-income rural residents and those who have been lifted out of poverty，Ensure that the insurance participation rate of the two categories of personnel is not less than 99%。First, implement the medical assistance classified subsidy insurance policy in accordance with regulations，Regions with qualified conditions can moderately increase the quota funding standards，Increase inclined rescue efforts based on actual conditions。The second is to carry out regular monitoring and early warning of patients with high medical cost burden，Further strengthen information sharing and inter-department work collaboration，Actively guide charities and other social forces to participate in rescue and security。

　　four、What incentives are there to encourage residents to continue to participate in insurance premiums？

The General Office of the State Council recently issued the "Guiding Opinions on Improving the Long-term Mechanism for Basic Medical Insurance Participation"，Clearly proposes to establish an incentive mechanism for critical illness insurance benefits for those who are continuously insured by resident medical insurance and those who have zero reimbursement。The "Notice" requires all provinces，Set corresponding incentives for continuous insured persons in accordance with the clear direction of the country and strictly implement them。Continuous insurance incentive is continuous insurance for 4 years，Every consecutive year of insurance thereafter，Can enjoy continuous insurance incentives，Increase the maximum payment limit of critical illness insurance in accordance with regulations;The zero reimbursement incentive is zero reimbursement from the fund for the current year，You can enjoy incentives in the following year，Increase the maximum payment limit of critical illness insurance according to regulations。Two measures are set independently，All implemented from 2025，Eligible for incentives，Increase the maximum payment limit of critical illness insurance，Each increase shall not be less than 1,000 yuan，Much higher than the 400 yuan paid by an individual。If a serious illness is reimbursed that year and the zero reimbursement reward amount is used，Although the zero reimbursement incentive amount is recalculated in the second year，But it does not affect the continuous insurance incentive。For continuous insurance incentives，Even if the resident insured person terminates his insurance，Although the number of consecutive insurance years is recalculated，But the continuous insurance incentive amount is always retained。Encourage residents’ medical insurance participants to strengthen self-health management through incentives、Continuous insurance payment，Continuously insured persons can receive higher protection，Fundamentally better protect the interests of all insured persons，Also ensure the smooth operation of the fund。

　　五、How to improve people’s sense of benefits from participating in insurance by incorporating village clinics into designated medical insurance management？

The village clinic is the most basic medical institution，Is the foundation of rural medical and health service system，Is the first stop for medical treatment for rural residents，It is also the “last mile” dafabet online betting websiteto achieve medical security services。Incorporate village clinics into designated medical insurance management，To continuously meet the growing medical security needs of rural people，Improve common diseases、Accessibility of medical treatment and drug purchase for frequently-occurring diseases is of great significance。Recently, the National Medical Insurance Administration and the National Health Commission issued the "Notice on Accelerating the Incorporation of Village Clinics into Medical Insurance Designated Management"，Guide all localities to follow "Create Conditions、Optimization process、Enhance scheduling、Principle of “whatever you get”，Accelerate the inclusion of village clinics into designated medical insurance management，Ensure that qualified village clinics will be included in the scope of medical insurance settlement in a timely manner before the end of 2024，Administrative villages with multiple village clinics must ensure that at least one village clinic is included in the designated management of medical insurance，Ensuring that medical insurance services are available to every village，Convenient for people to seek medical treatment and purchase medicine at their doorsteps。Support village doctors to provide family doctor contract services，Carry out insurance mobilization and door-to-door inspections、Preventive health care、Chronic disease management、TCM diagnosis and treatment services, etc.。As of April 2024，There are 580,000 village clinics in normal operation across the country，100,000 of them are included in the separate designated scope of medical insurance，There are still 320,000 village clinics adopting the “rural integration” management model，Realize medical insurance reimbursement through township health centers，Over 72% of village clinics across the country have been included in the scope of medical insurance payment。

　　Six、Can the personal account of employee medical insurance be used jointly by family members participating in urban and rural residents’ medical insurance?？

"Family mutual aid can participate in insurance，Helping the elderly and helping the small”。The "Guiding Opinions on Improving the Long-term Mechanism for Basic Medical Insurance Participation" recently issued by the General Office of the State Council clearly states，Expand the scope of employee medical insurance personal account mutual assistance to close relatives。Among them，Close relatives refer to spouses specified in the Civil Code、Parents、Children、Brothers and sisters、Grandparents、Grandparents、grandchildren、Grandchildren。Employee medical insurance personal account can be dafabet casino mobile appused to pay personal contributions for close relatives participating in resident medical insurance。Close relatives participating in basic medical insurance，It can also be used when reimbursing medical expenses，Use the personal account of the associated employee medical insurance participant to settle。Requirements of "Notice"，Comprehensively promote the implementation of the policy on the use of employee medical insurance personal accounts and family mutual aid，The National Medical Insurance Administration will actively promote the further expansion of the geographical scope of mutual aid，Strive to achieve intra-provincial mutual aid in all provinces before the end of this year，Accelerate the promotion of cross-provincial mutual aid next year。

In order to effectively organize and implement，The "Notice" requires relevant departments in various places to strengthen organizational leadership、Improving working mechanism、Compaction work responsibility、Strengthen departmental coordination，Enhance risk awareness、Strengthen fund management、Do a good job in publicity and interpretation，Promote the implementation of institutional policies and implement them in detail，Effectively safeguard the people’s medical security rights and interests。

Source: National Medical Insurance Administration website