织密医疗保障网——我国基本医保制度不断完善

Core Insights - The article emphasizes the continuous improvement of China's basic medical insurance system, aiming to alleviate the medical financial burden on citizens and ensure access to healthcare services [1] Group 1: Coverage and Participation - During the "14th Five-Year Plan" period, the national basic medical insurance participation rate remains stable at around 95%, with nearly 20 billion people benefiting from insurance reimbursements from 2021 to 2024 [2] - The expansion of maternity insurance coverage is highlighted, with 253 million people participating and a total fund expenditure of 438.3 billion yuan, benefiting 96.14 million people [2] Group 2: Benefit Enhancements - The introduction of the "medical insurance wallet" allows insured individuals to transfer personal account funds to family members for medical expenses, breaking provincial limitations [4] - The number of designated medical institutions has reached 1.1 million, and the total number of drugs in the insurance catalog has reached 3,159, further reducing the medical burden on citizens [5] Group 3: Service Upgrades - The establishment of a unified national medical insurance information platform has significantly improved service efficiency, allowing for cross-province handling of high-frequency matters [6] - The implementation of data and AI technologies has enhanced the accessibility of medical insurance services and reduced fraudulent activities [7] Group 4: Financial Management - The cumulative expenditure of the medical insurance fund has reached 12.13 trillion yuan, providing financial support for both healthcare and the pharmaceutical industry [9] - The regulatory framework for medical insurance funds has been fully established, with over 100 billion yuan recovered from fraudulent activities [8]