Promote the development of inclusive commercial health insurance norms, reduce the burden of medical treatment for insured people, and prevent poverty from returning to poverty due to illness; Give priority to the needs of the elderly for medical security, and strive to ensure the medical security service needs of the elderly with special difficulties … Recently, the Sichuan Provincial Medical Security Bureau has put the practice of "I do practical things for the masses" through the whole process of study and education on the history of the Party. In response to the "urgent difficulties and worries" that the masses have strongly reflected, it has accelerated the improvement of the medical security system, continuously introduced the policy of medical insurance benefiting the people, and continuously improved the sense of happiness of the insured people.
There is no age limit for inclusive health insurance.
On May 8, 2021, the "Huirongbao" participation channel was officially opened. Compared with 2020, this inclusive health insurance, which is guided by the Provincial Medical Insurance Bureau and Chengdu Medical Insurance Bureau, further expands the scope of protection and lowers the threshold of compensation on the basis of the same price, so that more insured people can enjoy the protection of "Huirongbao".
Pratt & Whitney health insurance is a commercial health insurance with the guidance and support of the government, the design, operation and underwriting of insurance institutions, the voluntary participation of the masses, and the connection with basic medical insurance. It is also an important part of building a multi-level medical security system. "Inclusive health insurance embodies the principle of ensuring serious illness and serious illness, focusing on ensuring higher expenses paid by individuals within the scope of basic medical insurance policies and expenses outside the scope of policies, and gradually improving the level of protection." The relevant person in charge of the Provincial Medical Insurance Bureau explained that the premium of inclusive health insurance is close to the people, the protection is moderate, there is no age limit for participation, there is no health precondition, and the premium is decoupled from the individual disease risk.
"Last year, I bought Hui Rongbao for myself and my husband. After the purchase policy was relaxed this year, I bought it for a family of three, as well as my parents and her husband’s parents." Wang Xiaonan of a cultural unit in Chengdu said that the premium only needs tens of yuan, which can reduce a lot of burdens in case of serious illness. At present, six cities in the province, including Chengdu, are implementing inclusive health insurance.
It is reported that our province will encourage employees and urban and rural residents to purchase inclusive health insurance products, and the purchase funds will be deducted before tax when calculating personal taxable income according to regulations. Disabled persons’ federations at all levels will mobilize social forces according to the actual situation and provide support for disabled people with difficulties to purchase inclusive health insurance products.
On the same day, the Provincial Medical Security Bureau announced the guiding opinions on standardizing the development and improvement of the multi-level medical security system for inclusive health insurance jointly formulated by the Bureau, the Finance Department, the Sichuan Provincial Taxation Bureau of State Taxation Administration of The People’s Republic of China, the Sichuan Supervision Bureau of the Bank of China Insurance Regulatory Commission, and the Provincial Disabled Persons’ Federation, and standardized the inclusive health insurance from many aspects such as "wide coverage", "low threshold" and "strong connection".
Reduce the burden of medical treatment for the elderly
"Reduce the burden of medical care for the elderly …" On May 7th, the Provincial Medical Security Bureau issued an implementation opinion on medical security promoting the combination of medical care and old-age care services, proposing to give full play to the strategic purchasing role of medical insurance funds, promote the combination of medical care and old-age care services, and help to create a national model province combining medical care and old-age care.
"Focus on the needs of the elderly for medical security in the first place, and focus on ensuring the medical security service needs of the elderly with special difficulties." The relevant person in charge of the Provincial Medical Insurance Bureau said that our province will promote the integrated development of medical insurance and medical care from the aspects of treatment guarantee, handling services, medical insurance payment, supervision and management, and medical treatment settlement. By 2022, medical insurance will promote the integration of medical care and care. Initial results have been achieved. By 2025, the policies and measures of medical security to promote the combination of medical care and nursing will be more perfect, the service optimization will be convenient and the management level will be significantly improved. In accordance with the unified national arrangements, we will continue to expand the coverage of the long-term care insurance system, and basically form a long-term care insurance system that adapts to the economic development level and the aging development trend of our province.
In order to achieve the above goals, our province will continuously improve policies and measures to meet the needs of the elderly and the actual needs, and gradually improve the medical security benefits for the elderly. For example, we will further implement the policy of outpatient medication support and outpatient special disease support for hypertensive diabetes, and all urban and rural residents with hypertensive diabetes who have been included in the standardized management of health and health departments will be included in the scope of medication support, and gradually explore the inclusion of chronic diseases such as cardiovascular and cerebrovascular diseases in the scope of medication support. Promote the common drugs for senile diseases to be included in the centralized procurement scope of national and provincial organizations, and reduce the drug burden of elderly patients.
Steadily promote the pilot of long-term care insurance system. In accordance with the unified deployment of the National Health Insurance Bureau, we will further promote the pilot work of the long-term care insurance system, continuously improve the policy framework of the long-term care insurance system, do a good job in the management of insurance payment, disability assessment and care services, and promote the disability assessment of people living in different places in the province. Strengthen the construction of nursing staff, strengthen the supervision of nursing institutions, and continuously improve the service level and nursing ability. Deeply tap the endowment of medical insurance resources, make efforts to incite social forces to participate, and promote the development of the aged care service industry and the cause of aging.   (Reporter   chunhua liu)