贵州建成“一人一档”全民参保数据库，织密扎牢多层次医疗保障网

Core Insights - Guizhou Province has implemented a comprehensive insurance plan, maintaining over 41 million insured individuals and establishing a "one person, one file" database for insurance [1] - The province is facing challenges such as uneven policy and service distribution, weak risk resistance of decentralized funds, and mismatches between population mobility and local management [3] - Aiming to address these issues, Guizhou will implement provincial-level coordination of basic medical insurance by December 2024, enhancing the sustainability of insurance funds [3] - The province has unified medical insurance treatment policies for urban and rural residents, with full implementation expected by 2026, improving the equity of medical benefits [4] - Efforts are being made to enhance payment efficiency and optimize the medical insurance payment mechanism, including the introduction of a unified drug directory and various payment reforms [7] - The province is also improving service efficiency through a multi-channel service system, facilitating online payments and streamlining processes for residents [8] Group 1 - Guizhou Province has established a "one person, one file" insurance database, with over 41 million insured individuals [1] - The average reimbursement rates for employee and resident medical insurance are approximately 83% and 73% respectively [1] - The province is set to implement provincial-level coordination of basic medical insurance by December 2024 to enhance fund sustainability [3] Group 2 - A unified medical insurance treatment policy for urban and rural residents has been initiated, with full implementation expected by 2026 [4] - The new policy aims to stabilize chronic disease coverage and strengthen emergency and maternity care benefits [4] - The province is enhancing payment mechanisms, with 82.91% of hospital fund expenditures now based on disease categories [7] Group 3 - Guizhou is developing a multi-channel service system for medical insurance, with significant improvements in online payment options [8] - The province has simplified procedures for cross-province medical treatment, achieving a direct settlement rate of 87.62% for cross-province hospitalizations [8] - The province aims to continuously deepen medical insurance reforms to enhance public satisfaction and security [8]