山东：全面实现“基本医保+惠民保”一站式结算

Core Insights - The Shandong provincial government is advancing a special action to enhance medical insurance services, focusing on improving convenience for residents [1] Group 1: Development of Huimin Insurance - The Huimin Insurance initiative in Shandong has been operational for nearly four years, evolving from a reimbursement model requiring upfront payment to a direct compensation model [3] - Since 2021, Shandong has been working on the Huimin Insurance program, with all 16 cities implementing tailored products based on local needs [3] - By 2024, Shandong aims to achieve a "one-stop" settlement for Huimin Insurance, allowing insured individuals to complete various reimbursements at local hospitals without additional claims [3] Group 2: Improvements in Cross-Region Medical Claims - To address challenges in cross-region medical claims, the Shandong Medical Insurance Bureau issued a notice in April to promote customized commercial medical insurance for easier claims processing [4] - The new system allows for automatic reimbursement calculations for insured individuals receiving treatment outside their home area, eliminating the need for manual claims submissions [4] - As of September, all 16 cities in Shandong have implemented this automatic reimbursement system, serving 18,500 individuals and totaling 16.7161 million yuan in claims [4]