杭州明年起施行医保新政 放宽参保户籍限制

Core Points - Hangzhou will implement a new medical insurance policy starting January 1, 2024, which relaxes the household registration restrictions for participating in basic medical insurance [1][2] Group 1: Policy Changes - The revised policy expands the coverage of basic medical insurance, allowing non-Hangzhou residents to participate based on their residence or employment location [2] - The eligibility criteria for non-Hangzhou registered preschool children have been relaxed from requiring one parent to have contributed to Hangzhou's employee insurance for three years to simply holding a local residence permit [2] - Similarly, the criteria for non-Hangzhou registered primary and secondary school students have been simplified to only requiring enrollment in a local school [2] Group 2: Financial Adjustments - The personal contribution to the medical insurance for residents will increase by approximately 10% in 2026, with the minimum annual increase set at 10 yuan and the maximum at 70 yuan [3] - The government will enhance its financial support, increasing the annual subsidy by an additional 150 yuan per person [3] Group 3: Insurance Benefits - The revised policy aims to reduce the financial burden on residents by establishing an incentive mechanism for those continuously insured and those with zero reimbursement under the resident medical insurance [5] - The scope of major illness insurance reimbursement will be expanded, and benefits for medical assistance recipients will be improved [5] - A dynamic adjustment mechanism for the funding standards linked to residents' disposable income will be established, with annual adjustments starting in 2027 [5]