Core Viewpoint - The controversy surrounding the "15-day hospitalization limit for insurance reimbursement" highlights the deep-rooted issues within China's healthcare insurance system, reflecting the struggles faced by patients, hospitals, and insurance providers amid increasing financial pressures [1][10]. Summary by Relevant Sections Healthcare Insurance System - The rapid aging of the population and rising healthcare demands are leading to a continuous increase in the expenditure pressure on healthcare insurance funds, with total income projected at approximately 3.2 trillion yuan in 2024, while expenditure growth outpaces income growth [1][10]. Hospital Operations - Hospitals, particularly public ones, face significant operational challenges as insurance payment standards often do not cover actual treatment costs, especially for complex and long-term patients. This leads to potential financial losses if hospitals have to cover excess costs themselves [4][10]. Patient Experience - Patients experience severe disruptions in treatment continuity due to frequent transfers or forced discharges, which can negatively impact recovery and increase out-of-pocket expenses. The bureaucratic process of repeated admissions adds to their stress and fatigue [6][10]. Policy and Management - The current "one-size-fits-all" approach to cost control lacks flexibility, particularly for special cases like cancer and severe rehabilitation, necessitating a more nuanced management strategy that avoids rigid limitations on hospitalization [6][10]. Recommendations for Improvement - Suggestions include optimizing payment methods such as promoting DRG/DIP payment models, enhancing regulatory oversight to prevent malpractice, developing a tiered healthcare system to alleviate pressure on major hospitals, and encouraging diversified healthcare insurance options to share the burden of basic insurance [7][9][10].