With medical insurance, it’s like having an additional “health security lock,” and I feel more at ease. This is the sentiment expressed by Ms. Wei, a resident of Wuchuan County, Hohhot City, who is on minimum living allowance. She spent 121,100 yuan on hospitalization this year. The “triple system” of medical insurance covered and reimbursed 102,900 yuan, leaving her to pay 18,200 yuan personally. Medical insurance has greatly alleviated the pressure on families and is truly a life-saving resource for the people.
Since the beginning of this year, Inner Mongolia has established a long-term working mechanism for universal participation in basic medical insurance. This mechanism features government leadership and promotion, medical insurance as the main focus, shared cooperation among departments, data innovation and empowerment, continuous optimization of services, and coordinated interaction at all levels. As a result, the number of insured people has steadily increased and the participation structure has been continuously optimized. As of the end of April, the number of participants in basic medical insurance in the entire region reached 21.567 million, an increase of 137,600 compared with the same period last year.
“Before, I thought it was very troublesome to handle medical insurance. Now, it can be done with just a few taps on the mobile phone,” said Master Zhang, a migrant worker from Ulanqab City, expressing the common feelings of the insured people.
To address the issue of “difficulty in participating in medical insurance,” the Medical Security Bureau of the Autonomous Region has taken “top-down coordination and five-level linkage” as the key approach to expand the coverage of medical insurance. The medical insurance departments across the district have created “Medical Insurance Cloud Classrooms” and “short video matrices” online, and widely publicized the policies, standards, methods, and benefit guarantees for the participation and payment of urban and rural residents’ medical insurance through media platforms such as the Internet and radio. Offline, they organize staff to go deep into communities, village (residential) committees, schools, business districts, and other places, bringing medical insurance services to the people’s doorstep. Medical insurance staff have transformed into front-line “instructors,” providing “nanny-style” guidance on the insurance participation process and offering on-site assistance to those who are not familiar with the payment process or do not know how to perform the payment operations. For special groups such as the elderly, the weak, the sick, and the disabled, they also act as “little managers” for insurance participation, paying on their behalf on the spot and answering their questions. For those who go out or work outside, medical insurance personnel act as “reminders” for participation. They help the public feel at ease and actively participate in insurance through WeChat, phone calls, and other means.
While promoting the expansion of insurance coverage, Inner Mongolia has also clarified the relevant matters concerning the unemployment insurance fund’s agency payment of employee medical insurance (including maternity insurance) fees, and encouraged village collective economies to agency payment of resident medical insurance fees for villagers. Assistance and agency services have been opened up for the elderly and the disabled, and family mutual assistance for the individual accounts of employee medical insurance to pay the resident medical insurance on their behalf. Jointly with the education department, the “College Students’ Insurance Participation Campaign” was launched, and the number of college students participating in insurance reached 544,000. The restrictions on household registration for insurance participation have been lifted for groups such as migrant workers and employees of new business forms. A total of 1.296 million low-income groups, including those in extreme poverty and those on minimum living allowances, enjoy the “immediate application and immediate benefit” medical assistance and insurance participation service.
In recent days, Li Lin, a citizen of Hohhot, has been paying for the insurance of his newborn baby. The child was hospitalized due to illness, which cost 128,900 yuan. The medical insurance reimbursed 96,200 yuan, and he personally bore 32,700 yuan.
Inner Mongolia has implemented the “One-Stop Service for Birth,” continuously promoting the joint handling of “One-Stop Service for Birth” for newborns, constantly optimizing the process for newborns to participate in medical insurance, and promoting the integrated handling of medical insurance participation based on the birth medical certificate or household registration certificate.
In addition, the service model for handling affairs has been innovated, both online and offline processing channels have been smoothed, and information technology means such as the online service hall and the Inner Mongolia Medical Insurance APP have been utilized to enhance the convenience of business processing. 29 medical insurance government service items can be handled online throughout the process without leaving home. The Inner Mongolia Medical Insurance mini-program has added a “Smart Assistant,” adopting a model that combines “artificial intelligence + personalized medical insurance training.” It builds a large medical insurance model based on the medical insurance knowledge base and the service corpus, ensuring that each consultation can receive a “second-level response.” Inner Mongolia has also extended medical insurance services to lower-level regions. The “horseback” medical insurance has brought services to yurts, and the mobile processing model has increased the participation rate in remote areas.
“Universal participation in insurance is not the end but a new starting point,” said Cai Hongyu, Deputy Director of the Medical Security Bureau of the Autonomous Region. This year, the medical security department of the autonomous region has continued to focus on expanding the number of newborns, college students, new business form practitioners, and flexible employees, etc., to deeply explore the space for insurance participation and solve the problem of expanding the coverage of insurance. Establish a “one person, one file” database for universal insurance participation and dynamically track the uninsured population. Develop a “Participation and Disconnection mini-program,” providing functions such as informed consent form signing and message reminders, to facilitate the transfer and continuation of the public’s participation relationship. Integrate medical insurance publicity into communities, campuses, etc., cultivate a social consensus of “active participation in insurance,” and weave a tight “safety net” for medical insurance for all.
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