威海“十四五”医保待遇水平显著提升，多层次保障体系更加健全

Group 1 - The core objective of the medical insurance work in Weihai is to enhance public medical insurance benefits and reduce the burden of medical expenses for the public during the "14th Five-Year Plan" period [1] - Weihai has established a new outpatient insurance system for both insured employees and urban-rural residents, covering common and frequently occurring diseases, thus filling a long-standing gap in outpatient expense coverage [1] - The reimbursement ratio for employees' outpatient expenses has reached a maximum of 85%, while the ratio for residents has increased to 65%, with additional support for chronic diseases like hypertension and diabetes [1] Group 2 - The level of inpatient treatment benefits has been continuously improved, with revisions to employee and resident medical insurance policies addressing significant public concerns [2] - The reimbursement ratio for residents hospitalized in primary medical institutions has been raised to 85%, and the annual payment limit for major medical expenses has been increased by 200,000 yuan [2] - The reimbursement ratio for inpatient expenses exceeding 240,000 yuan has been raised from 80% to 90%, effectively alleviating the burden on patients with severe illnesses [2] Group 3 - The medical assistance system has been strengthened, forming a comprehensive support system for vulnerable groups through the issuance of new policies [3] - Special assistance policies for low-income individuals and orphans have been implemented, with reduced thresholds for major illness insurance and increased reimbursement ratios [3] - The introduction of customized commercial insurance products has provided additional coverage for out-of-pocket expenses not covered by medical insurance, significantly reducing the financial burden on the public [3]