三重保障筑底、商保慈善补位，威海医保部门织密因病致贫防控网

Core Viewpoint - The article highlights the innovative multi-layered medical insurance system in Weihai, Shandong Province, which effectively addresses the issue of poverty caused by medical expenses, providing a model for national efforts to prevent and mitigate health-related poverty [1][2][4]. Group 1: Medical Insurance System - Weihai has established a "three-tier" medical insurance system consisting of basic medical insurance, critical illness insurance, and medical assistance, which is complemented by the customized commercial insurance "Weini Bao" and charity support [1][3]. - Since its establishment in 2019, the Weihai Medical Insurance Bureau has reduced the medical burden on vulnerable populations by over 200 million yuan annually, demonstrating a commitment to addressing public health concerns [2][3]. Group 2: Policy Implementation - The "three-tier" system is designed to ensure that low-income and impoverished populations are fully covered, with policies that lower the threshold for critical illness insurance and increase reimbursement rates for these groups [2][3]. - The "Weini Bao" insurance product is tailored for low-income individuals, offering benefits such as halving the hospital deductible for medical assistance recipients and providing coverage for 26,000 rural medical assistance beneficiaries through charity funds [3]. Group 3: Service Efficiency - Weihai is a national pilot city for synchronized settlement of medical insurance and commercial insurance, which streamlines the reimbursement process, allowing patients to settle their bills with minimal personal financial burden [3][4]. - The system's efficiency is exemplified by the experience of a low-income patient who only had to pay a small portion of his medical expenses, as the reimbursement processes were handled seamlessly in the background [3].