近日，国家卫生健康委员会（卫健委）发布消息指出，随着医疗服务体系的持续优化和医保支付方式改革的深入推进，患者在就医过程中需要预先支付的资金显著减少。这一变化主要得益于多项政策举措的落地实施，包括扩大医保即时结算覆盖范围、推行按病种付费（DRG/DIP）改革、加强医疗机构费用透明度以及推广‘先诊疗后付费’等便民服务模式。过去，许多患者在住院或接受大型检查前需缴纳较高比例的预付款，给部分家庭带来经济压力。如今，通过医保系统与医院信息系统的高效对接，多数地区已实现门诊和住院费用的实时报销，患者只需支付个人自付部分，无需再垫付全额费用。此外，在基层医疗机构和部分试点城市，‘信用就医’‘无感支付’等创新模式也逐步推广，进一步减轻了患者的预付负担。卫健委表示，未来将继续完善医保支付机制，强化对不合理收费的监管，并推动更多便民利民措施落地，切实提升群众就医获得感和满意度。
Recently, the National Health Commission (NHC) announced that patients are now required to pay significantly less upfront when seeking medical care, thanks to ongoing improvements in the healthcare system and deepening reforms in medical insurance payment mechanisms. This positive shift stems from several policy measures, including expanded real-time medical insurance reimbursement, implementation of diagnosis-related group (DRG) and big data–driven payment (DIP) models, enhanced transparency of medical charges, and the promotion of patient-friendly services such as ‘treatment first, payment later.’In the past, patients often had to pay a substantial deposit before hospitalization or major diagnostic procedures, creating financial strain for many families. Today, with seamless integration between health insurance systems and hospital information platforms, most regions enable real-time reimbursement for both outpatient and inpatient services. As a result, patients only pay their out-of-pocket portion at the point of care, eliminating the need to cover full costs upfront. Furthermore, innovative approaches like ‘credit-based medical care’ and ‘frictionless payment’ are being piloted in primary care facilities and select cities, further reducing prepayment burdens.The NHC stated it will continue refining insurance payment mechanisms, strengthening oversight against unreasonable charges, and rolling out more patient-centered initiatives to enhance public satisfaction and accessibility in healthcare.
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