Recently, there are often rumors on the Internet that there is a "wave of medical insurance surrender" in urban and rural areas in the mainland, and this news has also attracted widespread attention from the society in the past few days. But what is the truth?
According to the data shown in the "2023 Statistical Express Report on the Development of Medical Security", by the end of 2023, the number of people enrolled in basic medical insurance in mainland China has reached 1.334 billion, and the participation rate has also stabilized at more than 95%.
In terms of the total number of people participating in basic medical insurance, the express report also shows that by the end of 2023, 371 million people will participate in basic medical insurance for employees and 963 million people will participate in basic medical insurance for urban and rural residents. The number of employees participating in medical insurance increased by 9 million, accounting for 27.8% of the total number of insured people.
From this set of data, it can be seen that the participation rate of basic medical insurance in the mainland has remained stable, and there is no "surrender wave" at all. Besides, the statistical data is only the insurance data before the end of 2023, and does not include the people who will participate in the medical insurance in 2024 with the extension of the supplementary payment period. The release of these data is also a powerful counter-argument to the false claims about the "surrender wave".
First of all, we need to clarify what a "surrender wave" is. The surrender wave refers to the situation that a large-scale population has a centralized suspension of insurance for a period of time. And the fact that these people are temporarily unable to participate in health insurance does not mean that they will not choose to pay at other times or when they need to.
Judging from the data released so far, the number of insured people in the mainland is still growing, and there is no so-called "surrender wave". Therefore, you must not trust some information on the Internet.
So, why are there such rumors circulating?
The main reason for this is that some people have misunderstood the national medical insurance policy and panic spread. In this context, the relevant departments should increase publicity, popularize medical insurance knowledge, and improve the public's awareness of disease risk prevention, so as to avoid similar rumors.
In fact, the construction of the mainland's basic medical security system has been steadily advancing.
In the past 20 years, the mainland has also been increasing its investment in the field of medical insurance, not only improving various medical insurance policies, but also improving the level of medical insurance treatment, so that more people can enjoy the fruits of economic and social development. One of the biggest changes is in the area of reimbursement and proportional reimbursement.
It is understood that in the past, there were only more than 300 kinds of drugs that could be reimbursed by medical insurance, but now, after 20 years of improvement, there are 3,088 kinds of drugs that can be reimbursed, and these drug catalogs cover more than 90% of the drug amount of public medical institutions, including 74 kinds of tumor targeted drugs and more than 80 kinds of drugs for rare diseases.
In terms of reimbursement ratio, after years of optimization, it has also increased from 30%-40% in the past to about 70% now. These changes have proven that the level of medical security in the mainland is improving.
In addition, in order to help the needy people to participate in insurance and avoid returning to poverty due to illness, the mainland has also implemented a categorical subsidy policy, which implements a full exemption for people living in extreme poverty, while the recipients of subsistence allowance and dynamic monitoring can enjoy the reduction and exemption policy. Some people can spend no money when enrolling, and some can spend less.
In short, the fact that the number of people enrolled in basic medical insurance has reached 1.334 billion proves that the mainland's basic medical system is developing in a fairer and more sustainable direction. Although the current participation rate has been stable at more than 95 percent, it is believed that with the improvement of the system, it is only a matter of time before the whole people participate in the insurance.
Okay, that's all for you to answer, what do you think about this?