88元保费不变！“深圳惠民保”升级

Core Viewpoint - The 2025 "Shenzhen Huimin Insurance" program has been upgraded to include Shenzhen residents participating in off-site medical insurance, maintaining the premium at 88 yuan while expanding coverage and reducing deductibles [1][2]. Group 1: Coverage Expansion - The 2025 "Shenzhen Huimin Insurance" will now cover Shenzhen residents with off-site medical insurance, allowing participation regardless of age, occupation, or health status [1]. - The program has seen significant uptake, with 6.09 million participants in 2024, ranking among the top in the country [1]. Group 2: Deductible Reductions - The deductibles for various benefits have been reduced by up to 28.6%, with specific reductions of 4,000 yuan across five treatment categories [2]. - For instance, the deductible for "medical directory expenses" and "hospital self-paid compliant drugs" has decreased from 15,000 yuan to 11,000 yuan [2]. Group 3: Enhanced Benefits - The program now includes coverage for self-paid compliant diagnostic and treatment expenses during hospitalization, with a deductible of 11,000 yuan and a payment ratio of 70% [3]. - The annual maximum coverage for rare diseases has been increased to 600,000 yuan, and new treatments have been added to the coverage list [3]. Group 4: Direct Settlement Process - The "one-stop" direct settlement process allows participants to settle both medical insurance and "Shenzhen Huimin Insurance" claims simultaneously at over 9,600 designated medical institutions [4]. - This process has resulted in 99% of claims being settled directly, minimizing the need for participants to prepay and submit extensive documentation [4]. Group 5: Enrollment and Payment Options - Participants can use their medical insurance personal account balances for eligible family members and can enroll through various online platforms, including WeChat and Alipay [5]. - An AI assistant has been integrated into the official enrollment platform to provide users with quick and accurate responses to inquiries [5].