今天（12月15日），保障病患國家醫保局在答復委員提案時表示，醫保用負百姓彩票首頁罕見病具有患者人數少、局建降低治療周期長、立多療費藥物依賴強、層次措施人均費用高的保障病患特點。多層次醫療保障體系建設方面，醫保用負目前我國已初步建成以基本醫療保險為主體，局建降低醫療救助為托底，立多療費百姓彩票首頁補充醫療保險等共同發展的層次措施多層次醫療保障制度框架。職工醫保、保障病患居民醫保政策范圍內住院費用報銷比例分別達到80%和70%左右，統籌基金最高支付限額分別達到當地職工年平均工資、居民人均可支配收入的6倍左右。大病保險等補充保險進一步梯次減負。百姓彩票大廳持續(xu)推進健全(quan)完善大病(bing)保(bao)(bao)險等(deng)補充醫(yi)療(liao)(liao)保(bao)(bao)障措施，進一步減輕(qing)群(qun)眾高額醫(yi)療(liao)(liao)費用(yong)負擔(dan)。2022年，居(ju)民大病(bing)保(bao)(bao)險保(bao)(bao)障水(shui)平在(zai)基本醫(yi)保(bao)(bao)基礎(chu)上提高了(le)約15個(ge)百(bai)分點。醫(yi)療(liao)(liao)救(jiu)助夯實托(tuo)底(di)保(bao)(bao)障。健全(quan)統一規范(fan)的醫(yi)療(liao)(liao)救(jiu)助制(zhi)度，對低保(bao)(bao)、特困等(deng)困難(nan)群(qun)眾經基本醫(yi)保(bao)(bao)、大病(bing)保(bao)(bao)險保(bao)(bao)障后個(ge)人(ren)負擔(dan)仍(reng)然較重的醫(yi)療(liao)(liao)費用(yong)，按(an)規定給予救(jiu)助，夯實托(tuo)底(di)保(bao)(bao)障。

同時，注重發揮商(shang)業(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)等的作用(yong)。據了解，目前已(yi)經有(you)170多(duo)家保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公司開展了健(jian)康(kang)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)，涵蓋了疾(ji)(ji)病(bing)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)、醫(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)、長(chang)期護理保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)、失(shi)能(neng)收入損失(shi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)和(he)醫(yi)療(liao)意外保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)。在(zai)疾(ji)(ji)病(bing)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)方面(mian)，已(yi)有(you)200多(duo)種(zhong)重大疾(ji)(ji)病(bing)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)產品將罕見(jian)病(bing)納(na)入保(bao)(bao)(bao)(bao)(bao)(bao)障范國；在(zai)商(shang)業(ye)(ye)醫(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)方面(mian)，多(duo)數產品將罕見(jian)病(bing)患(huan)者(zhe)醫(yi)療(liao)費(fei)用(yong)納(na)入保(bao)(bao)(bao)(bao)(bao)(bao)障范圍。近年(nian)來各地紛紛推出城市定制型(xing)商(shang)業(ye)(ye)醫(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)（多(duo)地稱之為“惠民(min)保(bao)(bao)(bao)(bao)(bao)(bao)”），一些地方將特定藥品費(fei)用(yong)納(na)入保(bao)(bao)(bao)(bao)(bao)(bao)障范圍，在(zai)一定程(cheng)度上減輕(qing)了大病(bing)患(huan)者(zhe)（包(bao)括罕見(jian)病(bing)患(huan)者(zhe)）的就醫(yi)負擔。

下一步(bu)，國(guo)家醫(yi)(yi)保局將加強與相(xiang)關部門的溝通(tong)，注重頂層(ceng)制度設計和政策引(yin)導，加快(kuai)推(tui)動(dong)商業健(jian)康保險(xian)發(fa)展，引(yin)導慈(ci)善組織積(ji)極參(can)與罕見病患者慈(ci)善醫(yi)(yi)療，擴大保障范圍，助推(tui)創新藥使(shi)用(yong)和研發(fa)，更好(hao)服(fu)務多層(ceng)次醫(yi)(yi)療保障體系建設。