医保便捷支付体系力争3年左右建成

Core Viewpoint - The National Medical Insurance Administration is promoting convenient payment methods in healthcare, aiming to establish a comprehensive medical insurance payment system within three years [1][2] Group 1: Payment Methods - Four payment methods are being integrated: facial recognition payment, one-code payment, mobile payment, and credit payment, catering to diverse patient needs [1] - Facial recognition payment allows users to complete identity verification and payment without physical cards or smartphones, particularly benefiting elderly individuals [1] - One-code payment enables simultaneous completion of medical insurance reimbursement, personal account payments, and out-of-pocket expenses with a single scan, simplifying the payment process [1] - Mobile payment facilitates the entire process of appointment booking, payment, and reimbursement through apps and mini-programs, reducing the need for physical queuing [1] - Credit payment allows medical expenses to be paid upfront by banks within a predetermined credit limit, enabling a "hospital visit now, pay later" model [1] Group 2: Implementation Timeline - The policy outlines a clear timeline for implementation, with at least two cities in each province to be included in the first phase, aiming for effectiveness by 2026 [2] - By 2027, the goal is to achieve coverage across provincial coordinated areas, with full rollout to eligible medical institutions by 2028 [2] Group 3: Impact on Financial Institutions - The establishment of a convenient payment system will enhance management for medical institutions and create compliant, precise consumer scenarios for financial institutions [2] - It aims to innovate medical consumer credit products, extending credit scenarios from financial consumption to the public welfare sector [2] - The initiative will contribute high-quality, real behavioral data to the social credit system, addressing gaps in credit coverage in the inclusive finance sector [2]