以医保温度筑牢健康保障“可持续防线”——专访杭州市医疗保障局党组书记、局长朱燕锋

Group 1 - The core focus of the news is on two significant initiatives led by the Hangzhou Municipal Medical Security Bureau aimed at improving maternal healthcare and simplifying medical expense reimbursement processes [2][3] - The "zero out-of-pocket" policy for maternity expenses will be implemented starting December 1, 2025, covering all insured pregnant women in Hangzhou, regardless of residency status, ensuring comprehensive coverage throughout the maternity cycle [3][4] - The policy includes a "five all" innovation, which encompasses full population coverage, full cycle protection, unified payment standards across the province, automatic settlement without application, and inclusion of all relevant services [3][4] Group 2 - Families with multiple births will receive additional subsidies, with increased standards for prenatal check-ups and delivery packages, potentially reducing the financial burden on insured pregnant women by over 5,000 yuan per person [4] - The "insurance + commercial insurance" one-stop synchronous settlement system addresses traditional reimbursement challenges, allowing simultaneous processing of medical insurance and commercial insurance claims, thus reducing the need for upfront payments by patients [5][6] - The implementation of the "zero out-of-pocket" policy relies on intelligent system support for automatic identification and settlement of relevant expenses at designated hospitals, with additional options for online and offline reimbursement processes [6][7] Group 3 - The future vision includes establishing a long-term mechanism for these initiatives to ensure sustained support for the healthcare system, contributing to the construction of a multi-tiered medical security system in Hangzhou [7]