1. Improve the coverage: Improve the coverage of medical insurance and cover more medical items, including drugs, treatment and surgery, so as to reduce personal medical expenses.
2. Pay personal expenses according to income: medical insurance expenses are linked to personal income, which can share the burden of medical expenses more fairly and make high-income people bear greater responsibilities, thus reducing the economic pressure of low-income people.
3. Promote primary health care: strengthen the construction and development of primary health care institutions, so that more people can get basic medical services in the nearby primary health care institutions and reduce excessive dependence on large hospitals.
4. Improve the reimbursement process: simplify the medical insurance reimbursement process, improve the reimbursement efficiency, and reduce the patient's time and energy costs.
5. Improve cross-regional medical reimbursement: Improve the cross-regional medical reimbursement process to make it easier for patients to seek medical treatment in other regions and get reimbursement.
6. Improve the quality of medical services: improve the service quality of medical institutions and medical personnel, reduce medical accidents and disputes caused by medical errors, and thus reduce medical risks.
7. Enhance the application of information technology: promote the application of information technology such as electronic medical insurance card and mobile medical payment, and improve the convenience of medical insurance management and service.
2. As a social security system, medical insurance has many uses and advantages, mainly including the following aspects:
1. Lower the threshold for medical treatment: With medical insurance, people can get medical treatment in time without worrying about high medical expenses when they get sick, which improves the accessibility of medical treatment.
2. Medical expenses guarantee: medical insurance provides a certain proportion of medical expenses reimbursement for the insured when seeking medical treatment, reducing the burden of personal medical expenses due to illness.
3. Social stability: Medical insurance helps to reduce the family economic pressure caused by diseases, thus reducing social instability and maintaining social stability.
4. Prevention and early treatment: The existence of medical insurance encourages people to carry out preventive health care, because early treatment can reduce the follow-up medical expenses and reduce the risk of disease.
5. Reduce the risk of poverty: Medical insurance can avoid sudden economic burden caused by illness and reduce the risk of poverty caused by illness.
6. Fair risk sharing: Medical insurance distributes medical expenses to all insured people, which realizes the risk burden and reduces the economic risks borne by individuals due to sudden diseases.
In a word, these improvements will help to make the medical insurance system more fair, efficient and sustainable, so as to better meet people's medical security needs.