推进医保便捷支付

Core Viewpoint - The National Healthcare Security Administration (NHSA) aims to establish a comprehensive, secure, and efficient medical insurance payment system within three years, promoting various convenient payment methods such as facial recognition, QR code, mobile, and credit payments [1][2]. Group 1: Payment Methods - The NHSA emphasizes the integration of four payment methods: facial recognition, QR code, mobile, and credit payments, to meet diverse medical payment needs [2]. - Facial recognition payment allows users to complete identity verification and payment without physical cards or smartphones, particularly benefiting elderly individuals [2]. - QR code payment simplifies the process by enabling simultaneous completion of medical insurance reimbursement, personal account payment, and out-of-pocket expenses in one scan [2]. - Mobile payment facilitates the entire process of appointment registration, payment, and reimbursement through apps or mini-programs, reducing the need for in-person queues [2]. - Credit payment allows medical expenses to be covered by banks within a pre-approved credit limit, enabling patients to receive treatment and pay later [2]. Group 2: Implementation Strategy - The NHSA's digital reform of medical insurance payments will adopt a strategy of "initial layout and pilot promotion," with at least two cities in each province as the first batch of implementation [3]. - Cities that have already begun exploring these payment methods will have their existing practices respected, while other regions are encouraged to innovate based on successful experiences [3]. - Each province is required to report replicable and scalable experiences to the NHSA by March and June 2026, ensuring that the first batch of regions and designated medical institutions achieve effective implementation by 2026 [3]. - By 2027, the goal is to achieve coverage across all provincial coordinated areas, with full promotion to all eligible designated medical institutions by 2028 [3].