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The National Healthcare Security Administration, together with the Ministry of Finance and the State Administration of Taxation, recently issued the "Notice on Doing a Good Job in Basic Medical Insurance for Urban and Rural Residents in 2024."

In 2024, governments at all levels will continue to increase subsidies for residents to participate in medical insurance and pay premiums, while the increase in individual residents' contributions will be appropriately reduced.The financial subsidies and personal payment standards will increase by RMB 30 and RMB 20 respectively from RMB 640 and RMB 380 in 2023, reaching no less than RMB 670 and RMB 400 per person per year respectively.This is the first time since 2016 that the new individual contribution standard is lower than the fiscal subsidy standard.

The National Health Insurance Administration stated that, with the continuous growth of life expectancy and the continuous improvement of medical consumption, it is an objective need to reasonably increase the individual payment and financial subsidy standards to consolidate and improve the level of benefits and ensure the smooth operation of the system. The "Notice" requires the simultaneous optimization of the financing structure of major disease insurance, emphasizing that financial subsidies at all levels must be allocated in full and in a timely manner in accordance with regulations, and must not be squeezed or misappropriated.

In order to effectively enhance the sense of gain of the people participating in the insurance, the "Notice" requires that the level of basic medical insurance be steadily improved, the precision protection capability of serious disease insurance be enhanced, and the protection of medical expenses for childbirth under the resident medical insurance be strengthened. Continue to consolidate the level of hospitalization benefits, steadily improve the level of outpatient protection, and comprehensively promote the implementation of the family mutual aid policy of personal accounts of employee medical insurance; reasonably determine the deductible standard, reimbursement ratio and maximum payment limit of serious disease insurance, and improve the precision protection of high medical expenses for serious disease patients; include prenatal examination fees in outpatient protection, and reasonably improve the level of protection of medical expenses for hospitalization, childbirth and childbirth. The "Notice" particularly emphasizes the promotion of standardized and unified systems and policies, and requires all provinces to organize a "look back" on the three-year action plan for the list of medical insurance benefits, actively and steadily promote the provincial-level coordination of basic medical insurance, explore incentive and constraint measures for continuous insurance in accordance with the clear direction of the state, and gradually unify the centralized collection period.

The Notice requires that:Do a good job in enrolling low-income rural population and people who have been lifted out of poverty in insurance, and ensure that the insurance rate of these two groups of people is no less than 99%.Regularly carry out monitoring and early warning of patients burdened with high medical expenses, further strengthen information sharing and inter-departmental coordination, and actively guide social forces such as charities to participate in relief and protection.