国家医保局部署大力推进医保便捷支付

Core Viewpoint - The National Healthcare Security Administration aims to establish a convenient payment system for medical insurance within three years, addressing issues such as long queues and operational difficulties for patients [1]. Group 1: Payment System Innovations - The initiative promotes the integration of four payment methods: facial recognition, QR code payment, mobile payment, and credit payment, to cater to diverse patient needs [2]. - Facial recognition payment allows for identity verification and payment without physical cards or smartphones, particularly benefiting elderly patients [2]. - QR code payment simplifies the process by enabling simultaneous completion of insurance reimbursement and personal payment in one scan [2]. - Mobile payment facilitates online appointment scheduling and payment, reducing the need for in-person queuing [2]. - Credit payment allows patients to defer payment to banks within a pre-approved credit limit, enhancing convenience [2]. Group 2: Benefits and Impacts - The optimization of the payment system enhances patient experience and improves hospital financial management, alleviating queue pressures and improving order in medical visits [3]. - Financial institutions can develop compliant and precise consumer credit products, promoting inclusive financial services [3]. - The initiative contributes to the construction of a social credit system by providing high-quality behavioral data from healthcare transactions [3]. Group 3: Implementation Strategy - The digital reform of medical insurance payments will adopt a phased approach, starting with pilot cities, with at least two cities per province involved [4]. - Traditional payment methods, such as cash and card payments, will remain available to protect the rights of elderly and digitally disadvantaged groups [4]. - By 2026, provinces are required to report replicable and scalable experiences to the National Healthcare Security Administration, aiming for full implementation by 2028 [4].