After the integration, you see the urban and rural health insurance personal account as Alipay's "Mutual Insurance" on the line, its function is basically the same. It is a national willpower to implement with a certain degree of mandatory measures, the other is the voluntary measures of civil society organizations. Of course, the two specific reimbursement rules, I have not studied the scope of coverage, there may be some differences, do not ask me, I am really too lazy to look.
To be honest, from the leadership level to the larger direction, this is certainly a good thing to do, the overall coordination of funds is more convenient, make the best use of the money, to avoid spending. It also makes the health insurance more in line with the pure "insurance" function.
From a personal point of view, that's still a bit of a bummer, just a little bit of autonomy is gone. (I don't know what I'd do with that autonomy, but it could be for outpatient use, medication, or something else.)
But this is just a test case, sooner or later, the employee health insurance personal account (which is where the concentration of "shopping cards" erupted), will also go down this road, for the same reason. This is the ultimate goal.