Core Insights - The article discusses the growing trend of online purchasing of over-the-counter medications using personal health insurance accounts in major Chinese cities, highlighting the convenience and cost-effectiveness of this method [1][2] - Despite the advantages, there are significant limitations in the types of medications available for online purchase, particularly the exclusion of prescription drugs and medical devices, which has led to public dissatisfaction [1][2] Group 1: Online Medication Purchase Advantages - Online medication purchasing allows for 24-hour instant ordering and delivery, eliminating the need for hospital visits and long queues [1] - The combination of convenience and health insurance reimbursement has led to high user retention and increased frequency of use in trial cities [1] Group 2: Limitations and Challenges - The current online health insurance purchasing system primarily supports only over-the-counter medications, leaving out essential prescription drugs and medical devices [1][2] - Issues such as the potential for illegal resale of medications online pose significant challenges to the promotion and widespread adoption of online health insurance purchasing [2] Group 3: Recommendations for Improvement - To enhance the online purchasing experience, it is crucial to expand the range of medications eligible for online health insurance payment, aligning it more closely with offline offerings [2] - Implementing technologies like facial recognition and drug traceability codes can help ensure the security of health insurance funds and improve regulatory oversight [2] - Promoting fair pricing through initiatives like the National Health Insurance Administration's drug price comparison app can help prevent price manipulation and ensure equitable access to medications [2]