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Not long ago, the National Health Insurance Administration released the 2.0 version of the payment plan based on disease groups (DRG) and disease type points (DIP). This new plan, known as the "upgraded version of medical insurance reform", has written a vivid footnote for the high-quality development of medical insurance.

my country's traditional medical insurance payment method is to pay by item. The amount of medicines, medical services and medical consumables used in the diagnosis and treatment process is settled according to the amount used. Patients and medical insurance funds bear their respective payments based on actual expenses. Over time, the disadvantages of the traditional payment method have become increasingly apparent: it is easy to breed excessive medical behaviors such as "large prescriptions" and "large inspections", resulting in a waste of medical resources, causing insured persons to spend more money and medical insurance funds to spend more.

After the establishment of the National Medical Insurance Administration, a multi-faceted and complex medical insurance payment method based on payment by disease type was promoted. The national pilot projects of DRG and DIP payment methods were launched successively, and on this basis, the "Three-Year Action Plan for DRG/DIP Payment Method Reform" was carried out. The so-called DRG payment, that is, payment according to disease diagnosis-related groups, is to divide patients into diagnosis-related groups with similar clinical symptoms and resource consumption according to factors such as disease diagnosis, severity of illness, and treatment methods. On this basis, medical insurance is paid according to the corresponding payment standards. The so-called DIP payment, that is, payment according to disease type score, under the total budget mechanism, the point value is calculated based on the annual total medical insurance payment, the medical insurance payment ratio and the total score of the cases of each medical institution, and the payment standard is formed to achieve standardized payment for each case of the medical institution. By the end of 2023, more than 90% of the coordinated regions in the country have carried out this reform. Through the reform, the medical insurance fund pays for the medical results, and the payment settlement is more scientific and reasonable, which has achieved positive results in reducing the burden on the people, ensuring the efficient use of the fund, and standardizing the behavior of medical institutions.