China Daily | 关于就医信用无感支付， 你想知道的都在这里

缴费慢、排队烦一直是百姓看病就医的急难愁盼问题之一。为此，广州医保推出了“就医信用无感支付”，实现排队缴费“零等候”、就医缴费“零操作”。该项目是2023年广州市深化医疗改革任务之一，且被列为2023年广州市十件民生实事。近日，《中国日报》（China Daily）对就医信用无感支付在国内医院的推广情况进行了报道。

以下是《中国日报》对就医信用无感支付的报道原文 ↓ 

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Credit services provide easier access for patients

Major hospitals in Guangzhou, Shenzhen and other cities in Guangdong province are offering medical services on credit, making it more convenient for patients to see a doctor.

According to the Guangdong Medical Security Credit Management Measures draft, patients who qualify for the program do not have to pay on-site for medical examinations, tests, treatment and medicine.

Payment can be completed via a credit platform in one lump sum within a specified time period, according to details of the measures issued by the Guangdong Provincial Healthcare Security Bureau.

Previously, patients had to wait in line to pay in advance for registration, examination, tests and treatment, causing a waste of time.

Patients aged 18 and above, who have paid social security or medical insurance can sign a contract with a credit platform to see a doctor, according to the measures, which were issued in June.

The credit platform sets credit limits for residents who meet the conditions, and will send a text message to the patients to remind them how much they owe and when they have to pay for the medical treatment and services, it said.

Major hospitals are now promoting the credit services, which they say save money and time for both hospitals and patients.

Hao Yinghua, deputy director of Guangzhou Healthcare Security Administration's Medical Insurance Service Center, said the introduction of credit medical services in the city will further promote the efficiency and convenience of medical services for residents.

Medical insurance providers in Guangzhou will accelerate the development of the "Internet Plus" medical-services model to better serve residents and assist them when medical help is urgently needed, she said.

"Promoting credit medical services is one of the key tasks to deepen medical reform in the city this year, and is listed as one of the 10 major livelihood projects in Guangzhou in 2023," she said in an interview with China Daily.

Hao said the credit medical services currently cover only locals who have paid the city's medical insurance. However, in the future the services will be made available to those who have purchased medical insurance in other parts of the country.

A doctor from Zhujiang Hospital of Southern Medical University in Guangzhou, said such services have reduced the long queues at hospitals' charging windows and self-service machines. Fewer patients now need assistance from hospital staff on how to use unfamiliar equipment, said the doctor who asked to remain anonymous.

Xu Jianping, chief accountant at Huadu District People's Hospital in Guangzhou, said using credit medical services to see a doctor is convenient for the patient and should be promoted in hospitals citywide in the coming months.

"The credit platform is similar to a ride-hailing one, allowing patients to see doctors without any payment in advance," Xu said in an interview with China Daily.

"It is very secure for hospitals and medical institutions, as credit medical services are carried out through a third-party financial institution. Therefore, there are no arrears for the hospitals," she said.

"Meanwhile, users can earn some credit card points after they pay for the medical bills with their credit cards."

Wang Han contributed to this story.

来源：中国日报（记者 王晗）

01

关于就医信用无感支付

你想知道的都在这里

什么是

“就医信用无感支付”？

就医信用无感支付服务是广州市医保部门为贯彻落实进一步推动医保服务高效便民要求，加快推进广州市“互联网+”医疗服务模式发展，着眼更好解决参保群众急难愁盼问题，联合中国银联广东分公司、医保服务协议银行及医保定点医疗机构共同推出的便民服务项目。

就医信用无感支付充分运用新模式、新技术，对医保参保人就医付费模式及流程的再造创新开通参保人就医缴费“ETC”高速通道，实现排队缴费“零等候”、就医缴费“零操作”，免除所有就医排队缴费环节，切实改善参保人就医体验，满足参保人多元化支付形式需求。

广州医保相关负责人表示，通过政府的努力，建立就医信用无感支付将进一步提高居民医疗服务的效率和便利性。

就医信用无感支付

目前的推广情况如何？

广州医保相关负责人表示，就医信用无感支付目前只覆盖广州市社会医疗保障参保人。不过，今后将推广至异地就医参保人等。

就医信用无感支付推出后

医院和市民有什么反馈？

体验过就医信用无感支付服务的参保市民对此新型支付方式表示认可，一是可免除就医排队缴费环节，改善患者就医体验感；二是信用额度一定程度上可帮助患者缓解资金垫付压力。

医院说

南方珠江医院某医生：这种服务减少了医院收费窗口和自助缴费机前排长队的情况。现在需要医院工作人员帮助使用不熟悉手机或自助缴费设备操作的病人越来越少了。

患者说

患者黄女士：跟着手机上的提示一步步操作，程序并不繁琐，就像平时下载APP，或者微信绑定个人银行账户一样方便。

患者说

患者王先生：就医信用无感支付减去了就医中间反复排队缴费的环节，节省了时间，整个就医体验得到了改善。

广州医保后续将如何优化

就医信用无感支付业务？

下一步，广州医保将进一步提升服务质量，持续完善就医信用无感支付服务：

一是加大宣传，广而告之，拓宽医保参保人签约、使用范围，使参保人都能享受到此服务。

二是推进开通“亲情付”服务，目前功能已在开发中，计划今年下半年内开通参保人及父母、配偶及子女间的亲情代付功能，解决“一老一小”就医问题。

02

就医信用无感支付使用指南

如何使用

就医信用无感支付？

1.绑定个人银行卡操作：

2.就医结算操作

参保人门诊就医：预约挂号→选择“无感支付”→就医→取药、治疗。

参保人住院就医：办理住院登记→选择“无感支付”→住院→治疗→出院。

选择使用医保专属

“信用无感支付”后,

如何查询个人信用

额度、账单及还款？

参保人使用医保专属“信用无感支付”的方式，使用及管理与其它银行信用卡管理基本是一致的，可通过云闪付APP或服务银行APP查询额度（含剩余额度）、账单等信息。使用就医信用无感支付服务后，参保人须按银行规定及时还款，若不履行还款义务，将停止该功能的使用权限。对于相关违约记录，金融机构将按照征信管理有关规定处理。

可提供就医无感支付服务的

医疗机构及银行有哪些？

可提供服务的医保定点医疗机构及医保服务协议银行范围在持续拓展，敬请关注“广州医保”微信公众号，通过“走近医保—定点&药价”栏目获取动态更新的相关医疗机构及服务银行名单。

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