“生娃不花钱”明年落地，国家医保局连发五文

Core Viewpoint - The national medical insurance meeting aims to achieve a policy where childbirth costs are essentially zero for families by next year, with a focus on expanding coverage and reducing out-of-pocket expenses for mothers [3]. Group 1: Policy Implementation - The National Medical Insurance Bureau has proposed to include flexible employment workers, migrant workers, and new employment forms in the maternity insurance coverage [3]. - By the end of 2025, all 31 provinces and regions, including Xinjiang Production and Construction Corps, will include eligible assisted reproductive projects in medical insurance [3]. - Seven provinces have already achieved full coverage of hospitalization costs for childbirth within the policy scope, with 95% of coordinated areas directly disbursing maternity allowances to insured individuals [3]. Group 2: Local Practices - Jiangsu Province has implemented a "zero out-of-pocket" policy for childbirth, where the remaining personal costs after insurance payments are subsidized by the government, effective from July 1 this year [4]. - The "zero out-of-pocket" policy does not cover certain expenses such as self-paid drugs, materials, or services outside the insurance directory, which remain the responsibility of the individual [4]. - In Guangxi, since January 1, 2025, over 11,538 mothers have reported personal expenses of less than 10 yuan after insurance reimbursement, with some cases showing no expenses at all [5][6]. Group 3: Additional Benefits - In cities like Shenzhen, the medical insurance has included painless childbirth (epidural anesthesia) in the basic medical insurance coverage, achieving 100% reimbursement for this service [7].