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日本时报

日本医疗费用上限上调,保险机构间差距扩大Japan’s health cost caps rise, widening gaps between insurers

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日本已修订其医疗体系,提高自付费用上限,以试图在世界上老龄化程度最高的社会之一中抑制支出增长。但这一变化也将扩大保险机构之间的差距。日本的医疗体系常被国外视为全民覆盖的典范。

Japan has revised its health care system to raise the ceiling for out-of-pocket payments as it tries to slow spending in one of the world's most aged societies. But the change will also widen the disparity between insurers. Japan’s health care system is often held up abroad as a model of universal coverage. But universal does not mean uniform: patients undergoing the same expensive treatment can pay very different amounts out-of-pocket depending on which insurer they belong to — and the government’s latest reform will widen the gap. Under the high-cost medical expense benefit system, a ceiling is placed on the amount patients must shoulder themselves when they face large bills for surgery or other treatment, with public health insurance covering the remainder.

但全民覆盖并不意味着统一:接受相同昂贵治疗的患者,因所属保险机构不同,自付金额可能截然不同——而政府最新的改革将进一步拉大这一差距。

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在高额医疗费用给付制度下,患者因手术或其他治疗面临巨额账单时,其自付金额设有上限,超出部分由公共医疗保险承担。

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