文｜徐雅琳 在中国医疗保障体系从"广覆盖"迈向"高质量"发展的转型阶段，地方层面的政策创新与精细化管理成为检验改革成效的关键场域。 近年来，从中央到地方持续推动的医疗保障制度改革，其核心目标无不指向减轻民众就医负担、防范因病致贫风险，以及构建更加公平、可持续的多层次保 障网络。 2025年，山东省青岛市崂山区推行的一系列兼具精准性与普惠性的医保政策调整，为地方区市如何结合自身实际、回应民众期待、落实国家顶层设计，提供 了一个具体而生动的实践样本。 根据崂山区医保局数据，截至2025年11月底，崂山区医疗保险参保人数已达53.23万人，较年初新增1.09万人。参保规模的稳步扩大，为各项医保政策的深化 实施提供了基础。 完善政策系统优化 医疗保障政策的有效性，很大程度上取决于其参数设定的科学性与动态调整的及时性。 2025年，崂山区医保改革的核心，正是对影响民众就医负担的两大关键参数，报销比例与起付标准，进行了方向明确的结构性调整，形成了"双升双降"的政 策组合。 门诊保障水平的强化是本次优化的首要着力点。自2024年10月1日起，参保居民的门诊统筹报销比例从60%提升至65%，看似只有5个百分点的增长，却意味 ...

Core Insights - The Qingdao Financial Regulatory Bureau is actively promoting high-quality development in the pension finance sector, with a focus on implementing policies and achieving results by mid-2025 [1][2] - The aging population in China is increasing the importance of pension finance, which is seen as a key factor in addressing the challenges of aging and ensuring the quality of life for the elderly [1][2] Group 1: Policy Implementation and Achievements - Qingdao has been approved for several pilot programs in pension finance, including the first batch of pension wealth management products and personal pension accounts, achieving a sales scale of 6.11 billion yuan in pension wealth management products by June 2025 [2] - As of June 2025, a total of 2.31 million personal pension accounts have been opened, with a cumulative deposit amount of 1.516 billion yuan, and commercial pensions have seen 3,454 accounts opened with sales amounting to 691 million yuan [2] - The Qingdao Regulatory Bureau is enhancing product innovation and promoting awareness of pension financial products among residents through various educational initiatives [2] Group 2: Financial Support for Elderly Services - Several banks have introduced specialized loan products for elderly services, providing financing for nursing homes and community service centers, thereby optimizing service supply [3] - Insurance institutions have promoted products like "Qindao e Insurance" to fill the protection gap for the elderly, with 1.515 million people insured in 2025, achieving a coverage rate of 16.4% [3] - Over 1,000 financial institution branches have undergone modifications to accommodate elderly clients, and more than 20,000 visits for financial services have been conducted for seniors [3] Group 3: Financial Support for the Elderly Industry - Banks are providing credit support to key areas such as smart elderly care and the development of age-friendly products, with a loan balance for the elderly industry reaching 6.134 billion yuan by June 2025, reflecting a growth of 9.7% since the beginning of the year [3] - Major insurance companies have opened elderly care communities with a total investment exceeding 1.4 billion yuan, creating over 1,800 beds and forming an "insurance + health care" ecosystem [3] - Insurance institutions have developed comprehensive liability insurance for elderly care facilities, providing risk protection amounting to 756 million yuan for over 270 institutions [3] Group 4: Future Plans and Strategic Focus - A three-year action plan for high-quality development in pension finance (2025-2027) is set to be released, focusing on four key areas: pension financial innovation, enhancing the quality of elderly service finance, strengthening financial support for the elderly industry, and optimizing financial services for the elderly [4] - The plan aims to improve the supply system for personal pensions, increase credit support, and utilize financial technology to develop user-friendly online services for seniors [4]