江苏省制定了特殊政策,对医保困难人群设“政策特区”。有部分缴费能力的企业及其职工,可先参加“住院保险”。参加住院基本医疗保险仍有困难的企业及其职工,可“降低标准参保”,先实行住院医疗费用统筹。单位可按照住院基本医疗保险缴费比例50％左右的标准缴费,不设个人帐户。参加统筹的职工住院所发生的符合规定的医疗 Jiangsu Province has formulated a special policy to set up a “policy special zone” for people with medical insurance difficulties. Enterprises and their employees who have some contribution ability may participate in “hospitalization insurance” first. Enterprises and their employees who have difficulty in participating in the basic medical insurance for hospitalization may “lower the standard of insurance coverage” and conduct overall co-ordination of hospitalization expenses. The unit can be paid according to the standard of about 50% of the payment rate of basic medical insurance in the hospital without a personal account. Participate in the co-ordination of staff hospitalization occurred in line with the provisions of medical treatment