新闻摘要：十四五以来，宁夏不断推进医疗保障制度改革，基本医疗保险参保率保持在95%以上，医保基金运行总体平稳。居民医保人均财政补助从2021年的580元提高到2025年的700元，常年通过医疗救助为约108万困难群众加保，农村低收入和脱贫人口参保率稳定在99%以上。五年间累计有1.25亿人次享受医保报销，住院报销比例和困难群众实际报销水平显著提升，医保在抵御大病风险方面发挥了重要作用。
在服务与渠道上，宁夏推行年预付日结算、门诊与住院保障扩围、药品目录动态调整和集中带量采购，药品品种、可及性与结算效率均有提升。生育保险实现“一网通办”、新生儿“出生即参保”，辅助生殖、人工耳蜗、0–6岁孤独症门诊等项目陆续纳入支付范围；医保信息化、跨省结算和移动支付让群众在家门口也能更便捷地就医结算。
思考与启发：医保的这些改善，既是制度设计的结果，也离不开日常的管理与互助。看病不再只是个人承担，更多变成一个有规则、有温度的公共安排，这让家庭在面对病痛时少一些孤立无援的焦虑。生活中，守望邻里、诚信办事、勤劳节俭，都是让这张保障网稳固运行的具体力量。
天经常提醒我们要关心弱小、扶助有需要的人，这既是对他人的体恤，也是对自己和社会的负责。愿我们在享受制度带来的安全时，也能以朴素的行动守护身边人，共同把这份安稳延续下去。
经文： 《引支勒·马太卷 25:40》 王要回答说：“我实在告诉你们，这些事你们既作在我这弟兄中一个最小的身上，就是作在我身上了。” 链接：📖 查看经文
### English Translation
Title: Ningxia Weaves a Tighter Safety Net of Health‑Care Coverage
News Summary
Since the start of the 14th Five‑Year Plan, the autonomous region of Ningxia has kept pushing forward reforms of its medical‑insurance system. More than 95 % of residents are now covered by the basic health‑insurance scheme, and the insurance fund has remained stable overall.
- The per‑person fiscal subsidy for urban residents has risen from ¥580 in 2021 to ¥700 in 2025.
- Every year, medical‑aid programs have added roughly 1.08 million people in genuine need to the insurance pool.
- In the countryside, more than 99 % of low‑income families and those lifted out of poverty are now enrolled.
Over the past five years, 125 million “person‑visits” have received reimbursement. The share of hospital costs that are reimbursed, as well as the actual reimbursement amounts for disadvantaged patients, have both risen sharply. As a result, health insurance now plays a crucial role in protecting families from the financial shock of serious illness.
Services and Access Improvements
Ningxia has introduced several practical measures to make coverage easier and more effective:
- Annual pre‑payment with daily settlement – hospitals receive funds up front and settle patients’ bills each day.
- Broader coverage for outpatient and inpatient care – more services are now reimbursed.
- Dynamic drug‑list updates and centralized bulk purchasing – the variety of medicines, their availability, and the speed of settlement have all improved.
- Maternity insurance on a single online platform – women can register for coverage the moment their baby is born.
- New items such as assisted reproduction, cochlear‑implant procedures, and outpatient care for autism in children aged 0‑6 have been added to the payment list.
Digital health‑insurance systems, cross‑province settlement, and mobile‑payment options now let people settle bills conveniently from home or while traveling.
Thoughts and Takeaways
These upgrades are the result of thoughtful policy design and everyday management and mutual support. Going to a doctor is no longer just an individual burden; it has become a regulated, compassionate public service. That eases the anxiety families feel when illness strikes.
In daily life, looking out for neighbors, acting with honesty, and living prudently are the concrete ways people keep this safety net strong.
The Bible reminds us repeatedly to care for the weak and to help those in need. That concern is both a kindness toward others and a responsibility to ourselves and to society. May we enjoy the security this system provides, and may our simple, faithful actions continue to protect those around us, extending that stability for generations to come.
Scripture
“Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.”
— Matthew 25:40 (NIV)
[📖 Read the Scripture] (https://www.huizu-tianjing.icu/yinzhile/mataijuan/25)
来源：https://www.nxnews.net/zt/25n/fjssw/fjsswyw/202511/t20251111_1356643.html
