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决胜“十四五” 打好收官战|织密医疗保障网——我国基本医保制度不断完善
Xin Hua She· 2025-08-24 12:19
新华社北京8月24日电 医保,关系着每个人的切身利益,是民生保障中的重要一环。 以解除全体人民的疾病医疗后顾之忧为根本目的,"十四五"以来,我国医保提质扩面广覆盖,进一步减 轻人民群众疾病医疗负担,守好"看病钱""救命钱"。 全民参保进入新阶段 国家医保局局长章轲介绍,"十四五"期间,全国基本医保参保率稳定在95%左右。2021年至2024年,累 计近200亿人次享受医保报销。 "居民医保是我送给孩子的第一份礼物!"山东济南刘女士产后住院时,便线上为孩子办好了医保。 新生儿凭出生证明就可以参保,参保后即可享受待遇;进一步放开放宽参保户籍限制;创新建立参保缴 费激励约束机制……我国全民参保进入新阶段。 ——扩大生育保险覆盖面。截至2025年6月,有2.53亿人参加生育保险,基金累计支出4383亿元,享受 待遇9614.32万人次。 "目前,全国有近六成统筹地区将生育津贴直接发放给参保女职工。"章轲说,我们将加快新生儿护理、 分娩镇痛等价格项目立项,促进儿科、产科优化服务,积极推动目录内生育医疗费用全报销。 ——完善大病保险、医疗救助制度。"十四五"时期各项医保帮扶政策累计惠及农村低收入人口就医达到 6.73亿人 ...
织密医疗保障网——我国基本医保制度不断完善
Xin Hua She· 2025-08-24 08:38
新华社北京8月24日电 题:织密医疗保障网——我国基本医保制度不断完善 新华社记者彭韵佳、徐鹏航 医保,关系着每个人的切身利益,是民生保障中的重要一环。 以解除全体人民的疾病医疗后顾之忧为根本目的,"十四五"以来,我国医保提质扩面广覆盖,进一步减 轻人民群众疾病医疗负担,守好"看病钱""救命钱"。 全民参保进入新阶段 国家医保局局长章轲介绍,"十四五"期间,全国基本医保参保率稳定在95%左右。2021年至2024年,累 计近200亿人次享受医保报销。 "居民医保是我送给孩子的第一份礼物!"山东济南刘女士产后住院时,便线上为孩子办好了医保。 新生儿凭出生证明就可以参保,参保后即可享受待遇;进一步放开放宽参保户籍限制;创新建立参保缴 费激励约束机制……我国全民参保进入新阶段。 ——扩大生育保险覆盖面。截至2025年6月,有2.53亿人参加生育保险,基金累计支出4383亿元,享受 待遇9614.32万人次。 "目前,全国有近六成统筹地区将生育津贴直接发放给参保女职工。"章轲说,我们将加快新生儿护理、 分娩镇痛等价格项目立项,促进儿科、产科优化服务,积极推动目录内生育医疗费用全报销。 ——完善大病保险、医疗救助制度。 ...
决胜“十四五” 打好收官战|织密医疗保障网——我国基本医保制度不断完善
Xin Hua She· 2025-08-24 07:18
全民参保进入新阶段 国家医保局局长章轲介绍,"十四五"期间,全国基本医保参保率稳定在95%左右。2021年至2024年,累 计近200亿人次享受医保报销。 "居民医保是我送给孩子的第一份礼物!"山东济南刘女士产后住院时,便线上为孩子办好了医保。 新生儿凭出生证明就可以参保,参保后即可享受待遇;进一步放开放宽参保户籍限制;创新建立参保缴 费激励约束机制……我国全民参保进入新阶段。 ——扩大生育保险覆盖面。截至2025年6月,有2.53亿人参加生育保险,基金累计支出4383亿元,享受 待遇9614.32万人次。 "目前,全国有近六成统筹地区将生育津贴直接发放给参保女职工。"章轲说,我们将加快新生儿护理、 分娩镇痛等价格项目立项,促进儿科、产科优化服务,积极推动目录内生育医疗费用全报销。 新华社北京8月24日电 题:织密医疗保障网——我国基本医保制度不断完善 新华社记者彭韵佳、徐鹏航 医保,关系着每个人的切身利益,是民生保障中的重要一环。 以解除全体人民的疾病医疗后顾之忧为根本目的,"十四五"以来,我国医保提质扩面广覆盖,进一步减 轻人民群众疾病医疗负担,守好"看病钱""救命钱"。 跨省共济,只是医保待遇保障"扩容 ...
医保五年累计支出12万亿,长护险全国推广预期增强
第一财经· 2025-07-25 02:48
Core Viewpoint - The article discusses the achievements and future plans of China's medical insurance system during the "14th Five-Year Plan" period, highlighting improvements in coverage, fund management, and the introduction of long-term care insurance [1][3]. Group 1: Medical Insurance Coverage - The national basic medical insurance coverage rate remains stable at around 95%, with a cumulative expenditure of 12.13 trillion yuan, averaging an annual growth rate of 9.1% [1][3]. - By 2024, the number of people covered by basic medical insurance is expected to reach 1.327 billion, with long-term care insurance coverage at 190 million [1][3]. - The direct settlement rate for cross-provincial medical expenses exceeds 90%, and the national medical insurance drug list has been unified, totaling 3,159 types of drugs [1][3]. Group 2: Long-Term Care Insurance - The long-term care insurance system is expected to be implemented nationwide soon, as the current pilot programs have shown positive results [4][7]. - As of June 2025, 253 million people are participating in maternity insurance, with cumulative expenditures of 438.3 billion yuan, benefiting 96.14 million people [6]. - The long-term care insurance aims to alleviate the financial burden of daily care for elderly individuals who have lost their ability to care for themselves, addressing the increasing demand for elderly care services [6][7]. Group 3: Fund Management and Regulation - The medical insurance fund is under increasing pressure, and the focus will be on ensuring fund safety and risk assessment during the "15th Five-Year Plan" period [4][8]. - The reform of payment methods has transitioned from a "post-payment" to a "pre-payment" system, promoting efficiency in medical institutions and reducing patient out-of-pocket expenses by approximately 5% year-on-year [9][10]. - The National Medical Insurance Administration has intensified efforts to combat fraud and misuse of medical insurance funds, recovering 16.13 billion yuan in the first half of the year through inspections of 335,000 medical institutions [10][11]. Group 4: Drug Price Governance - The article emphasizes the importance of drug price governance, with the government supporting market-driven pricing while also maintaining oversight to prevent price manipulation [12][13]. - Since 2018, the government has conducted 10 rounds of centralized drug procurement, covering 435 types of drugs, which has helped lower drug prices and improve accessibility [13][14]. - The National Medical Insurance Administration is committed to ensuring fair pricing practices and encourages public reporting of unusually high drug prices [14].
“十四五”医保成绩单发布,医保基金累计支出超12万亿元
第一财经· 2025-07-24 08:41
Core Viewpoint - The article highlights the achievements and future plans of China's medical insurance system during the "14th Five-Year Plan" period, emphasizing the stability and expansion of coverage, the financial support for the healthcare industry, and the ongoing reforms to improve the quality and efficiency of medical services [1][2]. Group 1: Medical Insurance Coverage and Financial Support - The basic medical insurance coverage rate has remained stable at around 95%, with 1.327 billion people enrolled in 2024 [1][3]. - Cumulative medical insurance fund expenditure reached 12.13 trillion yuan, with an annual growth rate of 9.1%, providing robust financial support for healthcare services [1][2]. - Nearly 200 billion medical insurance reimbursements were utilized by patients from 2021 to 2024, marking a 1.6 times increase compared to 2020 [3]. Group 2: Multi-tiered Medical Security System - A multi-tiered medical security system is being established, consisting of a unified medical insurance information platform, basic medical insurance, critical illness insurance, and medical assistance [4]. - As of June 2025, 253 million people participated in maternity insurance, with cumulative expenditures of 438.3 billion yuan [4]. - Long-term care insurance has covered 190 million people, addressing the care needs of disabled individuals [5]. Group 3: Regulation and Management of Medical Insurance Funds - The National Medical Insurance Administration has intensified efforts to regulate medical insurance funds, focusing on reducing fraud and ensuring proper fund usage [6][7]. - In the first half of the year, 335,000 medical institutions were inspected, recovering 16.13 billion yuan in misused funds [7]. - The administration has implemented data-driven approaches to enhance the precision of fund management and fraud detection [7]. Group 4: Drug Price Governance - Drug pricing remains a significant concern, with the government encouraging market-driven pricing while maintaining oversight to prevent price manipulation [9][10]. - Since 2018, ten rounds of centralized drug procurement have been conducted, covering 435 drugs, which has helped lower drug prices and improve accessibility [11]. - The administration has taken measures to address abnormal drug pricing, urging companies to adhere to fair pricing practices [12].
7•8全国保险公众宣传日 | 保险如何守护“爱和责任”
Bei Jing Shang Bao· 2025-07-08 12:18
Core Viewpoint - The 2025 "7•8 National Insurance Publicity Day" emphasizes the theme "Love and Responsibility: Insurance Makes Life Better," showcasing the insurance industry's commitment to public service and social governance through innovative online and offline activities [1][3]. Group 1: Activities and Engagement - The insurance industry has organized various activities to engage the public, including financial knowledge lectures and risk reduction services, particularly in response to recent severe weather events [3][4]. - Major companies like People's Insurance Company and China Life Insurance have implemented the "Five Entering" initiative, bringing insurance knowledge to schools, rural areas, and communities [3][4]. - Sunshine Property Insurance and others have focused on financial literacy and risk reduction, addressing public concerns through knowledge dissemination and training [4]. Group 2: Industry Impact and Public Awareness - The activities conducted during the publicity day aim to bridge the communication gap between the insurance industry and the public, enhancing insurance awareness and understanding of products [4][5]. - The insurance sector's proactive approach in risk reduction and public education is seen as a means to lower overall insurance costs and improve the industry's social image [4][5]. Group 3: Industry Growth and Financial Data - As of the end of Q4 2024, the total assets of insurance companies and asset management firms reached 35.9 trillion yuan, a 13.9% increase from the beginning of the year [7]. - In 2024, the insurance premium income was 5.7 trillion yuan, with a year-on-year growth of 5.7%, while claims and payouts increased by 19.4% to 2.3 trillion yuan [7]. - The insurance industry has expanded its coverage, providing agricultural insurance to 164 million households and health insurance to 1.2 billion people [7][9]. Group 4: Future Opportunities and Innovations - The insurance industry is poised for high-quality development, with new policies aimed at expanding coverage and improving service quality by 2029 [10][11]. - There is potential for innovation in inclusive insurance products to meet diverse public needs, particularly in health and elderly care [11][12]. - The integration of insurance technology is transforming the industry, enhancing efficiency and customer experience through AI, blockchain, and big data [12].
引金融服务入田间地头 保险业助乡村全面振兴
Core Insights - The insurance industry is increasingly playing a vital role in rural revitalization through innovative products, optimized service models, and technology empowerment [1][6][7] Group 1: Agricultural Insurance Development - The agricultural insurance product system has significantly expanded, covering major crops and local specialty products, with a total insurance premium scale of 152.1 billion yuan, providing risk protection exceeding 5 trillion yuan for 147 million households [2] - In 2024, China Life Property & Casualty Insurance plans to cover over 11.5 million acres of major grain crops, providing risk protection of approximately 80.5 billion yuan [2] Group 2: Innovative Insurance Products - Insurance companies are launching specialized insurance products based on local resources, such as pomegranate planting insurance in Shandong and apple industry chain insurance in Gansu [3] Group 3: "Insurance+" Service Model - The insurance industry is evolving from simple risk compensation to a comprehensive service model that supports rural industry development, exemplified by the "breeding insurance + live collateral loan" model in Shanxi [4] Group 4: Personal Risk Protection - The insurance sector is also providing personal risk protection for local residents, with China Life offering over 28 billion yuan in personal risk coverage for nearly 490,000 people in targeted poverty alleviation areas in 2024 [5] Group 5: Technology Empowerment - The application of technologies such as big data and satellite remote sensing is reshaping agricultural insurance services, enhancing the precision and efficiency of underwriting and claims [6][7] - China Life Property & Casualty Insurance is promoting disaster monitoring and early warning systems to improve risk management capabilities [7]
中国太保亮相第二十届中国西部国际博览会
Ren Min Wang· 2025-05-26 01:12
Group 1 - The 20th China Western International Expo was inaugurated in Chengdu, with China Pacific Insurance (CPIC) showcasing its commitment to public service through its insurance offerings [1] - CPIC provided comprehensive insurance services for the expo, including public liability insurance for the organizers and safety production liability insurance for exhibitors, as well as personal accident insurance for nearly 200 volunteers [1] - A dedicated risk management team was established by CPIC to ensure safety throughout the expo, integrating with the event's safety management system and providing risk services from setup to dismantling [1] Group 2 - CPIC is actively responding to the national innovation-driven strategy by building a specialized technology insurance service system, with technology insurance coverage exceeding 110 trillion yuan and technology investments surpassing 100 billion yuan [2] - The company is implementing a "dual carbon" strategy and has created multiple green insurance products, while also engaging in green public welfare initiatives [2] - CPIC has launched the "Taibao Home" project in 13 cities and 15 parks, focusing on elderly care, and has provided health insurance coverage for over 200 million people [2] Group 3 - CPIC hosted a seminar on climate insurance during the expo, emphasizing the importance of risk reduction in promoting high-quality development of climate insurance [3] - The company showcased its role as a property insurance service provider at the expo, highlighting its commitment to national strategies and improving quality of life [3]
国际劳工组织:中国在扩大全民健康覆盖面方面取得显著成就
Xin Hua She· 2025-05-15 12:19
Core Insights - The report by the International Labour Organization highlights China's significant achievements in expanding universal health coverage, providing valuable experiences for other countries pursuing similar goals [1][2] Group 1: Achievements in Health Coverage - China has established a multi-tiered medical insurance system, expanding coverage from urban workers to rural residents and urban residents, with increasing levels of protection [1] - The basic medical insurance, serious illness insurance, and medical assistance form a three-tiered system to alleviate financial burdens, complemented by commercial health insurance and charitable assistance [1] Group 2: Health Indicators - In 2023, China's average life expectancy increased to 78.6 years, maternal mortality rate decreased to 15.1 per 100,000, and infant mortality rate fell to 4.5 per thousand, placing major health indicators among those of middle to high-income countries [2] Group 3: Challenges Ahead - Despite progress, China's healthcare system faces challenges such as incomplete coverage, quality of insurance, rapid growth in medical costs, and increasing pressure on insurance funds [2] - Future efforts should focus on accurately identifying uninsured individuals, improving insurance quality, establishing a fair and unified benefits system, and developing a stable and sustainable funding mechanism [2]