Nan Fang Du Shi Bao·2025-04-27 23:16Core Points - The 2025 edition of "Shenzhen Huimin Bao" has been officially released, maintaining a premium of 88 yuan while upgrading coverage comprehensively, reinforcing the health safety net for citizens [2][4] - "Shenzhen Huimin Bao" is a government-guided, inclusive commercial supplementary health insurance that has enrolled over 12.13 million participants since its launch in 2023, covering nearly half of Shenzhen's permanent population [2][3] Coverage and Benefits - The insurance maintains a low premium of 88 yuan per person per year while optimizing benefits through a strategy of "five reductions, three expansions, and one addition" [4] - The "five reductions" include lowering the deductibles for various benefits by 4,000 yuan, with a maximum reduction of 28.6%, and an additional 1,000 yuan reduction for participants who have been enrolled for two consecutive years [4] - The "three expansions" involve broadening coverage for self-paid hospitalization, rare disease treatments, and the "Hong Kong and Macau drug and device" scope, with annual reimbursement limits for rare disease medications increased to 600,000 yuan [4] - The "one addition" includes the inclusion of Shenzhen residents with out-of-town medical insurance, allowing them to benefit from "Shenzhen Huimin Bao" after reimbursement of compliant medical expenses [4] Service Innovations - The program emphasizes a "one-stop" direct claim process, allowing participants to settle medical expenses without upfront payments, achieving a 99% rate of one-stop claims since its launch [7][11] - The introduction of an "automatic re-enrollment" service simplifies the enrollment process, enabling automatic deductions from personal medical accounts for eligible participants [8] - An AI assistant has been integrated into the official enrollment channel to provide intelligent and quick responses to user inquiries [8] Support for Vulnerable Groups - Shenzhen Guoshou continues to collaborate with government departments to ensure coverage for low-income groups, orphans, disabled residents, and certain struggling workers [6] - The program has seen a significant increase in enrollment, with 6.09 million participants in 2024, and has effectively reduced the out-of-pocket expenses for severe patients by an average of 40% [6] Commitment to Quality and Accessibility - Shenzhen Guoshou, as the chief underwriter, is committed to enhancing service quality and product recognition, aiming to optimize the promotion of "Shenzhen Huimin Bao" [11] - The initiative reflects a strong commitment to integrating financial services with community needs, ensuring that the insurance product is accessible and beneficial to the public [9][10]