10月15日上午，2026年度"陕西全民健康保"上线发布会在西安召开，作为陕西省内唯一由政府指导的， 可有效衔接基本医保的补充医疗保险，即日起，陕西省基本医保参保人/在陕新市民均可自由参保，保 费89元/169元，最高保障200/500万元，保障范围广、惠民力度大。 陕西省医疗保障局、陕西省财政厅、国家税务总局陕西省税务局、国家金融监督管理总局陕西监管局、 陕西省民政厅、中共陕西省委金融委员会办公室、陕西省医疗保险研究会、陕西省保险行业协会，21家 共保体单位、合作企业、运营平台宸汐健康等各平台公司相关领导出席本次发布会。 政府多方支持 切实减轻患者医疗费用负担 国家金融监督管理总局陕西监管局二级巡视员张向东表示，"陕西全民健康保"突破商业健康保险对参保 人群年龄、职业、户籍和健康状况的限制，一定程度上解决了"看病难看病贵"和"弱势群体"因病致贫返 贫问题，是保险行业践行回归本源和普惠金融理念的有力举措。 中国人民健康保险股份有限公司陕西分公司党委书记、总经理董曙辉介绍，第四季产品优化，主要聚 焦"两降三优化"：普遍降低医保范围外免赔额，并对连续参保未理赔群众进一步降低免赔额；同步优化 负面清单、既往症病种及 ...

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]