用保险全额支付   国行：同一病症贵三四倍！ - video Dailymotion

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新闻报报看 | 国行今天在国会闭门汇报会上展示资料显示，私人医院的医药费参差不齐和不透明，在同一种病症下，拥有保险公司全额支付担保信（guarantee letter）的保客，与那些选择“先支付后索赔”（pay-and-claim）的保客，需要缴付的医药费差距高达3、4倍那么多。（主播：梁宝仪、黄界錤）

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00:00Before watching the video, let me remind you that there is more content on the Hotpoint website.

00:30Is it because of the rising interest rates that led to the increase in insurance fees?

00:34Or is it due to some other reason?

00:37After all the questions and doubts from the members of Congress,

00:40the National Bank of China has finally held a closed-door briefing in Congress

00:45to answer the doubts of the members of Congress on the issue of insurance fees for next year's increase in insurance fees.

00:50Members attending the related briefing revealed to the media that

00:53the National Bank of China said during the briefing that

00:55the insurance company increased the insurance fees without the approval of the National Bank of China.

01:00In addition, the data shown by the National Bank of China also shows that

01:03the medical insurance fees of private hospitals are not transparent.

01:07For example, if it is the same disease,

01:09the insurance company's full payment guarantee letter

01:13is three to four times higher than those who choose to pay first and then pay and claim.

01:22The example given by the National Bank of China in the data includes that

01:25if you choose to pay first and then pay,

01:30you only need to pay a medical fee of RMB 1,288.

01:33But if you choose to pay through the insurance company,

01:38you need to pay RMB 4,978 to the hospital,

01:42which is four times higher.

01:44If you choose to pay first and then pay,

01:48you need to pay RMB 2,654.

01:51But if you choose to pay the full medical fee through the insurance company,

01:56you need to pay RMB 6,859,

02:00which is three times higher.

02:02So why is there such a big gap between the two payment methods?

02:08The acting party secretary of the briefing,

02:10Member of Parliament, Nick Han, said that

02:12the National Bank of China did not explain this.

02:15In addition to paying in different ways in private hospitals,

02:18which is three to four times more expensive,

02:21the National Bank of China also pointed out in the briefing to the members today

02:24that due to the increasing prices and the increasing number of treatments,

02:29the medical fees of private hospitals are higher.

02:34In 2020, the average medical fee was RMB 8,800.

02:38But in 2023, it rose to RMB 10,700.

02:43In terms of insurance compensation,

02:45due to the increasing number of people using private hospitals,

02:48the medical insurance compensation has also continued to increase.

02:51In 2020, 6.8 out of 100 people applied for insurance compensation.

02:56In 2023, it rose to 8.6 people and increased by 26%.

03:02In addition, the acting party secretary of the briefing,

03:05Member of Parliament, Qiu Peidong, also told the media.

03:09Secretary-General Amir Khanzha said at the meeting that

03:11the government is now discussing the possibility of supplementing medical insurance

03:16for target groups, such as B40 or M40.

03:21In any case, he revealed that at the closing meeting,

03:24the members unanimously agreed that the insurance company should be frozen

03:28and the insurance fee should be adjusted for one year.

03:30But the response from the National Bank of China is that it needs to be studied first.

03:33It cannot be announced to be frozen in a hurry,

03:35otherwise it will affect the insurance market.

03:37The insurance company may also withdraw from the Chinese market.

03:41As for the proposal to freeze the insurance fee and adjust it,

03:43Member of Parliament, Qiu Peidong, also said at the meeting that

03:47the government will not temporarily consider postponing the medical insurance fee,

03:51but will take excessive measures to ensure that the medical insurance fee

03:55is a small and reasonable increase.

03:57The National Bank of China and the Ministry of Health will develop regulatory measures

04:00to ensure that the medical insurance fee will not be too high,

04:04so as not to cause inconvenience to investors and lead to inflation.

04:07The government will issue an important directive on this matter

04:11within this week.

04:13At the same time, Anhua also pointed out at the National Assembly that

04:16according to the insurance company's explanation,

04:18the increase in the medical insurance fee is due to the increase in medical expenses

04:21and service costs.

04:23The reasons for the increase in medical expenses include

04:26the increase in the price of medicines, new medical equipment,

04:29and the salary of medical personnel.

04:31Anhua said,

04:32due to the lack of supervision,

04:34our country's drug purchases over the past few decades have been monopolized.

04:38Therefore, the government has asked the Ministry of Health

04:40to follow the practices of some countries

04:42and go to several countries to purchase cheaper and more affordable anti-inflammatory drugs.

04:47These anti-inflammatory drugs are very popular in Brazil, India and China,

04:51and have all been verified.

04:53In the future, our country may not need to rely on

04:57high-cost drugs produced in the United States or Europe.

用保险全额支付国行：同一病症贵三四倍！

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用保险全额支付 国行：同一病症贵三四倍！

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用保险全额支付国行：同一病症贵三四倍！