Core Viewpoint - The National Healthcare Security Administration (NHSA) is accelerating the reform of instant settlement for medical insurance funds, aiming for over 80% of designated medical institutions to adopt this system by the end of 2026, which will improve cash flow for medical institutions [1][2]. Group 1: Reform Objectives - By the end of 2025, all regions in the country are required to implement instant settlement, with over 80% of designated medical institutions covered by the end of 2026 [1]. - The instant settlement will cover employee medical insurance funds (including maternity insurance) and urban-rural resident medical insurance funds, with potential inclusion of major illness insurance funds and medical assistance funds in certain areas [1][2]. Group 2: Impact on Medical Institutions - The instant settlement reform addresses the long-standing issue of slow payment in the medical field, where it typically takes 40 to 60 days for medical institutions to receive payments after patient discharge [2][3]. - By shortening the payment cycle, the reform alleviates cash flow pressure on medical institutions, allowing them to invest more in equipment upgrades and talent development, ultimately enhancing patient care [2][3]. Group 3: Implementation and Management - The NHSA has initiated pilot programs for instant settlement and has rapidly expanded them nationwide over the past eight months [3]. - The reform includes optimizing the settlement process through smart auditing and aims to complete fund disbursement within 20 working days after expense declaration [3]. - The NHSA emphasizes the need for a standardized fund disbursement mechanism and enhanced risk management to ensure the safety of the funds [3].

Core Points - The implementation of the "T+1" instant settlement system for medical insurance in Yulin City marks a significant advancement in the efficiency of medical fund settlements, reducing the settlement cycle from a maximum of 30 days to 24 hours [1][2] - The new system alleviates the financial pressure on hospitals by ensuring timely reimbursement, with the first transaction amounting to 278,400 yuan successfully credited to a hospital account [1] - Yulin City is one of the first pilot cities for the national basic medical insurance fund instant settlement reform, establishing a comprehensive "instant settlement" system that integrates various processes [1] Summary by Sections Instant Settlement System - Yulin City's medical insurance "T+1" instant settlement system has officially launched, allowing for next-day payments instead of monthly disbursements [1] - The system aims to enhance the efficiency of medical fund settlements and reduce the financial burden on healthcare institutions [1] Financial Impact - Prior to the reform, hospitals faced an average monthly advance payment of over 10 million yuan for medical insurance funds, which has now been significantly reduced [1] - As of now, 8 medical institutions in Yulin have completed instant settlement applications for a total of 3,471 cases, with medical expenses amounting to 34.62 million yuan and actual medical insurance fund disbursements of 10.27 million yuan [2] Integration with Other Insurance Programs - Since 2023, Yulin City has achieved a "one-stop" synchronous settlement for the Shaanxi Universal Health Insurance, basic medical insurance, major illness insurance, and medical assistance [2] - By the end of April this year, 90 medical institutions at the secondary level and above in Yulin City are capable of conducting synchronous settlements for the Shaanxi Universal Health Insurance [2]