医保新规定！10月起，这6项费用将不能报销，很多人还都不知道

Core Points - The new healthcare policy in China will take effect from October 2025, significantly altering the reimbursement landscape for various medical expenses [1][3][4] - The policy aims to alleviate pressure on the medical insurance fund, which has been strained by rising healthcare costs and an increasing number of insured individuals [1][10] Summary by Categories Changes in Reimbursement Policy - Six categories of expenses will no longer be reimbursed by medical insurance starting October 2025, including non-essential nutritional supplements, special medical services, cosmetic surgery, non-therapeutic diagnostic tests, expensive traditional Chinese medicine, and services provided by non-medical institutions [3][4][5][8][10] - Non-medical essential nutritional supplements, such as vitamins and protein powders, will now be self-paid [3][4] - Special medical services that offer enhanced comfort and reduced wait times will also be excluded from reimbursement [4] - Cosmetic procedures aimed at improving appearance will not be covered, reinforcing previous regulations that were not strictly enforced [4][5] - Preventive diagnostic tests requested by individuals rather than prescribed by doctors will not be reimbursed [5][6] - Certain high-cost traditional Chinese medicine items will be removed from the reimbursement list, continuing a trend observed in previous adjustments [8] Implications for Healthcare Financing - The new regulations are expected to reduce the financial burden on the medical insurance fund, which has been under pressure due to rising medical expenses [5][10] - The healthcare market, particularly in cosmetic procedures, has seen significant growth, with the market size exceeding 450 billion yuan in the first half of 2025, indicating a shift towards self-funded healthcare options [5][8] - The policy reflects a broader challenge of balancing the sustainability of the medical insurance fund with the growing healthcare demands of an aging population [10] Public Awareness and Response - A significant portion of the insured population is unaware of the specifics of their medical insurance coverage, with surveys indicating that 67% do not understand the reimbursement scope [10][12] - Recommendations for the public include planning for medical expenses, considering supplementary commercial health insurance, and staying informed about policy changes to avoid unexpected costs [10][12]