“生娃不花钱”明年落地，国家医保局连发五文回应关切

Core Insights - The central theme of the news is the initiative by the National Medical Insurance Administration to implement a policy where childbirth costs are significantly reduced or eliminated for mothers, aiming for a nationwide "no out-of-pocket" expense for childbirth by next year [1][2]. Group 1: Policy Implementation - The National Medical Insurance Administration has proposed to include flexible employment workers, migrant workers, and new employment forms in the maternity insurance coverage [1]. - By the end of 2025, all 31 provinces and regions, including Xinjiang Production and Construction Corps, will include eligible assisted reproductive projects in medical insurance [1]. - Seven provinces have already achieved full coverage of hospitalization costs for childbirth within the policy framework, with 95% of coordinated areas directly disbursing maternity allowances to insured individuals [1]. Group 2: Local Practices - Jiangsu Province has implemented a "zero out-of-pocket" childbirth policy, where the remaining personal costs after insurance coverage are subsidized by the government, effective from July 1 this year [2]. - The "zero out-of-pocket" policy does not cover certain expenses such as self-paid drugs, materials, or services outside the insurance directory, which remain the responsibility of the individual [2]. - In Guangxi, over 11,538 mothers reported personal expenses of less than 10 yuan after insurance reimbursement, with some individuals spending nothing at all [3]. Group 3: Additional Benefits - In cities like Shenzhen, the insurance has also included painless childbirth (epidural anesthesia) in the basic medical insurance coverage, allowing for 100% reimbursement, thus reducing the economic burden on mothers while enhancing their comfort during childbirth [6].