On the 26th, "Beijing Medical Insurance" WeChat official account pushed news: Beijing is carrying out online drug purchase test using personal account of medical insurance. It is understood that the Beijing Municipal Medical Security Bureau is currently organizing two drug purchase platforms, Jingdong and Meituan, to test the online payment system for over-the-counter drugs, and strive to officially provide services to the insured after accessing more than 200 designated retail pharmacies for medical insurance on July 1.

Before Beijing, Zhejiang, Shanghai and other places have successively carried out online medical insurance purchase. Online medical insurance, buy medicine and deliver it to your door. What can be done to make medical treatment more convenient?

   Beijing promotes the use of medical insurance personal account for online drug purchase

Currently, online payment supports OTC drugs

At noon on the 26th, after seeing the news that online medicine purchase in Beijing supports the payment of medical insurance personal account, Beijing citizen Huahua searched for "Beijing Medical Insurance" on the designated platform, and a pharmacy entrance supporting medical insurance payment appeared near her home.

Beijing Medical Insurance launched online drug purchase test using medical insurance personal account

At present, online payment for OTC drugs is covered in Beijing. Huahua introduced that after searching, there will be a striking blue label under the specific drug, reminding consumers that the drug supports medical insurance payment, and other contents of the interface are no different from the drug purchase page of the general takeaway platform.

Huahua: When you buy it, you will jump to the interface of Alipay Beijing Medical Insurance, identify your personal information, and directly deduct the money from your medical insurance account.

It will be more convenient for ordinary citizens to use personal medical insurance accounts to purchase drugs online. Mr. Sun of Dongcheng District said that two pharmacies near his home were labeled with "medical insurance payment".

If the store and medicine support this function, "medical insurance payment" will be displayed with a blue label.

At present, the online drug purchase deduction uses the balance of the personal account of the medical insurance, excluding the payment of the pooling fund. It is understood that more than 10 pharmacies have entered the testing phase in Beijing. The reporter randomly consulted several pharmacies in Dongcheng District and Chaoyang District of Beijing, and the staff said that background information showed that orders had been settled through medical insurance on the morning of the 26th.

According to the experience of consumers and the tips of pharmacy staff, users need to first bind personal medical insurance account information on Alipay, and then find the corresponding pharmacy and drugs on the designated platform to achieve online medical insurance settlement.

However, since the test has just started, it will still take some time to support online drug purchase in a larger range with individual medical insurance accounts. The Beijing Municipal Medical Insurance Bureau said that it would strive to officially provide services to the insured after accessing more than 200 designated medical insurance retail pharmacies on July 1 this year.

   Expert: Online payment is conducive to monitoring the rational use of medical insurance funds

Before the launch of this service in Beijing, Shanghai, Zhejiang, Liaoning, Guangdong, Sichuan and other places have also promoted the implementation of online medical insurance purchase policies through different forms. Taking Shanghai as an example, the pilot work began in October 2023. Up to now, nearly 1000 pharmacies have realized direct medical insurance settlement for online drug purchases, and the categories cover most non prescription drugs.

In the process of promoting this convenient service, there have also been some concerns, such as how to better ensure the rational use of medical insurance funds?

The reporter verified to the platform that they are currently screening whether to support medical insurance payment through system positioning technology, so as to avoid the possibility that some users may use their own medical insurance accounts to purchase drugs for others remotely. The platform said that it was promoting the online drug purchase test using medical insurance personal accounts in an orderly manner in strict accordance with the requirements of relevant departments in Beijing.

On the 26th, Mr. Sun from Dongcheng District, Beijing, and his friends conducted a drug purchase test: Mr. Sun selected two pharmacies near his home, which showed that he could use the personal account of medical insurance to pay; He asked his friends far away from his home to click on these two pharmacies for testing, and found that they could not use personal medical insurance accounts to pay.

In the opinion of medical reform expert Xu Yucai, promoting online payment has increased the possibility of rational use of intelligent monitoring medical insurance funds. "For example, if there are any abnormalities in the location, frequency of personal medication, dosage, cycle, etc., it can be better monitored online."

Xu Yucai believes that at present, the work in many places is mainly focused on common over-the-counter drugs. In the future, if we can further develop reasonable norms, under the premise of scientific and safe drug use, use Internet hospitals and other channels, effectively combine the balance of medical insurance personal account and unified fund payment, and gradually cover "drug collection at home" to common drugs for chronic diseases of the people Prescription drugs will better realize "convenient medical treatment".