打通线上医保购药卡点

Core Insights - The new online medication purchasing model, characterized by "stay-at-home, immediate purchase, and medical insurance payment," has gained popularity among the public, with over 40 cities in China piloting online medication purchases using personal medical insurance accounts, marking a significant step in the digital transformation of medical insurance services [1][2]. Group 1: Online Medication Purchasing Model - The convenience of instant delivery combined with the affordability of medical insurance reimbursement has improved the medication purchasing experience for the public [1]. - Challenges identified during the pilot phase include the exclusion of certain chronic disease prescription drugs and rehabilitation equipment from the online sales catalog, leading to availability issues for consumers [1]. - Discrepancies in drug listings between online and offline channels, unintegrated medical insurance codes, and uneven access to pharmacies are prominent issues affecting the convenience and inclusivity of online medical insurance purchases [1]. Group 2: Enhancing Convenience and Safety - To make online medical insurance purchases more convenient and efficient, it is essential to ensure both "convenience" and "safety" are prioritized [2]. - Local medical insurance departments should align online and offline standards, dynamically synchronize medical insurance codes with drug catalogs, and prioritize the inclusion of commonly used chronic disease medications and necessary medical devices in the online purchasing range [2]. - Improving the integration of electronic prescriptions, internet follow-up consultations, and medical insurance settlement processes is crucial for enhancing service response speed through efficient data flow [2]. Group 3: Safety and Regulatory Measures - The acceleration of online medical insurance purchasing must be accompanied by robust safety regulations, utilizing digital tools to strengthen price transparency and monitor unfair pricing, thereby preventing counterfeit drug circulation and insurance fraud [2]. - Establishing risk warning mechanisms and ensuring traceability of purchasing behaviors are essential for accountability in every step of the online medical insurance purchasing process [2]. - The collaboration between internet platforms and designated pharmacies should include rigorous qualification audits, publicizing actual settlement prices, and accepting social price comparisons and public scrutiny [2].