保障病有所医 四川基本医保参保率稳定在95%以上

Core Viewpoint - The Sichuan provincial government has established a long-term mechanism for basic medical insurance, maintaining a participation rate of over 95% in recent years [1][3]. Group 1: Policy Implementation - The Sichuan provincial government issued the "Implementation Opinions on Improving the Long-term Mechanism for Basic Medical Insurance Participation" in September 2025 [3]. - The policy removes household registration restrictions for insurance participation at the place of employment, allowing students and children to enroll at their place of residence or school [3]. - University students can pay their medical insurance fees in a lump sum according to their study duration [3]. Group 2: Insurance Coverage Expansion - The policy expands the scope of personal accounts for employee medical insurance, allowing coverage to extend from family members to close relatives [3]. - The payment coverage has been broadened from just paying resident medical insurance fees to also covering out-of-pocket medical expenses incurred at designated medical institutions [3]. - The maximum payment limit for serious illness insurance for continuously enrolled residents has been increased, with an incentive amount of 4,000 yuan per instance, potentially reaching up to 20% of the original cap for serious illness insurance [3]. Group 3: Incentive Mechanisms - A reward mechanism has been established for individuals with zero reimbursements from the resident medical insurance fund, increasing the maximum payment limit for serious illness insurance by 4,000 yuan the following year [3]. - The continuous enrollment incentive and the zero reimbursement reward can be combined, with a cumulative increase not exceeding 20% of the original cap for serious illness insurance [3]. Group 4: Overall Impact - The implementation of these policies aims to enhance the insurance participation framework, address policy gaps, and improve the management and service mechanisms for insurance participation [3].