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China Healthcare Policy Pulse
中国健康政策脉动
CN
多地开放外卖平台购药医保个人账户支付
7月1日，北京市医保局召开新闻发布会宣布，北京市参保人员可在京东、美团外卖平台线上使用医保个人账户在300家医保定点零售药店购买非处方药(OTC)，配送费和包装费由个人单独支付，线上下单后购药平台即时配送药品。上线10天，医保个人账户在外卖平台购药成交达12.9万笔。
自2023年11月起，上海的医保参保人员可以通过美团、京东和饿了么平台，使用个人医保账户在超过1000家定点零售药店购买非处方药。截至2024年6月，已完成204.7万人次医保结算。
此前，山西全省以及浙江和广东的部分城市已经开放线上购药医保个人账户支付，参保人员可以通过指定平台或微信和支付宝小程序购药并使用医保支付。
原先患者只能在线下就诊和购药时使用医保个人账户支付，开放线上购药医保支付，显著提升了药品的可及性和可支付性。
近年来，国内的外卖平台迅猛发展，截至2024年3月，外卖平台的用户规模已达5.45亿。并且，因为外卖平台的服务方便快速，越来越多的用户开始使用外卖平台购药。可以预见，今后更多的地区将会开放外卖平台购药医保支付，惠及广大患者。
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Multiple Regions Enable BMI-covered Drug Purchases on Delivery Platforms
On July 1, the Beijing Municipal Medical Insurance Bureau announced that all BMI-covered individuals in Beijing can now purchase over-the-counter (OTC) drugs online from 300 designated retail pharmacies using their individual BMI accounts on the Meituan and JD delivery platforms. While the drug cost is covered by the patient's BMI account, the patient is responsible for the delivery and packaging fees. Once the order is placed, the drugs are delivered immediately. Within ten days after the announcement, approximately 129,000 transactions had been completed using individual BMI accounts.
Since November 2023, patients in Shanghai have also been able to use their BMI accounts to purchase OTC drugs on three delivery platforms: Meituan, JD, and Ele.me. With over 1,000 designated pharmacies joining Shanghai's online BMI payment network, 2.047 million transactions had been made by the end of June 2024.
Prior to Shanghai's implementation, Shanxi Province and some cities in Zhejiang and Guangdong had already enabled online drug purchase using patients’ BMI accounts through specific online platforms or mini programs on WeChat and Alipay.
Previously, BMI accounts could only be used for offline medical treatment and drug purchases at designated medical institutions or pharmacies. The introduction of online drug purchases covered by BMI significantly improves drug accessibility and affordability.
In recent years, China's delivery platform market has expanded rapidly, reaching 545 million users by March 2024. An increasing number of these users are purchasing drugs online due to the convenience and efficiency it offers. It is anticipated that more regions will enable BMI-covered online drug purchases, improving medication accessibility and affordability for Chinese patients.
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参考文献:
1. 第53次《中国互联网络发展状况统计报告》--互联网发展研究. (n.d.). Cnnic官网版权所有. https://www.cnnic.cn/n4/2024/0322/c88-10964.html
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