According to the data released by the National Health Insurance Administration, by the end of 2022 (the data for 2023 has not yet been made public), the number of people enrolled in basic medical insurance nationwide will be 1.346 billion, including 362 million employees and 984 million urban and rural residents.
In terms of the number of insured people, resident medical insurance is 2.72 times that of employee medical insurance, and resident medical insurance has become an important guarantee for most people to seek medical treatment, and the reimbursement ratio of inpatient medical expenses has reached about 60%.
Of course, the premise of enjoying resident medical insurance is to pay medical premiums in accordance with the regulations every year, and the national standard for resident medical insurance payment in 2024 is 380 yuan per person, and all localities can adjust it according to the local medical insurance revenue and expenditure, but the payment cannot be less than 380 yuan, and only if you pay the 2024 resident medical premiums, you can enjoy the 2024 medical insurance treatment.
Generally speaking, the centralized collection period for the next year's resident medical insurance is from September to December each year, and it is now January 2024, and the centralized payment period in most areas has ended, indicating that residents who have not paid medical premiums will not be able to enjoy the 2024 resident medical insurance treatment.
However, there is still a possibility of adjustment to the payment time of residents' medical insurance, and some areas will extend the payment period according to the residents' participation in the insurance, and some regions have announced the extension of residents' medical insurance payment in 2024.
List of extended medical insurance payments for residents in some areas
Wuxi, Jiangsu: The payment period is from November 13, 2023 to January 31, 2024, during which the payment is made, and the medical insurance treatment in 2024 is normally enjoyed, if the insurance payment is made after January 31, 2024, there is a two-month waiting period, calculated from the month of payment, the payment standard is up to 780 yuan, and the college students are 280 yuan.
Guangzhou: The payment will be postponed to March 31, 2024, and the payment will be extended to enjoy the medical insurance treatment normally. Such a provision is undoubtedly beneficial, which means that if you pay after you are sick and hospitalized during the extension period, you can also enjoy medical insurance treatment from the time the medical premium is incurred, and you can be reimbursed retroactively. The payment standard is 549 yuan, and the school students are 413 yuan.
Henan: Many places have deferred payment until March 15, 2024, but Jiyuan is an exception, which has only deferred payment until February 29, 2024, and the waiting period for medical insurance is 30 days. The payment standard is 380 yuan.
Urumqi, Xinjiang: Deferred payment to January 31, 2024, if the payment is extended, you will enjoy medical insurance treatment throughout the year, and if you pay after January 31, the treatment period will start from the next month after payment. The payment standard is 420 yuan, including 40 yuan for long-term care insurance.
In addition, six prefectures and cities in Xinjiang, including Karamay City and Changji Prefecture, have postponed payment until January 31, 2024.
Gansu: Deferred payment until March 31, 2024, and enjoy medical insurance treatment in the next month of payment.
Jiangsu: Extended to January 31, 2024.
Shanxi: Deferred payment until February 25, 2024.
Shaanxi: Deferred payment until June 30, 2024, and enjoy medical insurance treatment in the following month.
Heilongjiang: Deferred payment until March 31, 2024.
Hunan: Deferred payment until February 29, 2024.
Hubei: Deferred payment until February 29, 2024.
The above is only an incomplete statistics, and some areas that have extended payment are not counted.
Trigger three thoughts
First, the extension of the medical insurance payment period in many places shows that there are still some people who have not paid during the normal medical insurance payment period, and it is not an isolated phenomenon.
Second, medical insurance is a welfare, and the extension of the payment period shows that the local medical insurance bureaus are trying their best to let more people enjoy medical insurance treatment, and they cannot lose big because of small things.
Third, some residents have failed to pay their medical insurance in time, and the rise in medical premiums is an important factor, and some families have given up participating in the insurance due to economic constraints.
The above is about the postponement of residents' medical insurance payment and the resulting reflections.