承保机构详解2025年度“深圳惠民保”热点问题

Core Points - "Shenzhen Huiminbao" is a universal commercial health insurance program guided by the Shenzhen Municipal Medical Security Bureau, Shenzhen Local Financial Management Bureau, and the National Financial Supervision Administration Shenzhen Regulatory Bureau, aimed at providing supplementary coverage for high medical expenses beyond basic medical insurance [1][2] - The 2025 "Shenzhen Huiminbao" is underwritten by a consortium of four insurance companies, including China Life Insurance Co., Ltd. Shenzhen Branch, China Property & Casualty Insurance Co., Ltd., China People's Health Insurance Co., Ltd. Shenzhen Branch, and Ping An Health Insurance Co., Ltd. [1] - Participation in "Shenzhen Huiminbao" is open to individuals with local and out-of-town household registrations who are paying into Shenzhen's medical insurance or have valid medical insurance from other regions, regardless of age, occupation, or health status [1][2] Summary by Sections Insurance Coverage - "Shenzhen Huiminbao" complements basic medical insurance by covering additional medical expenses, thereby reducing the financial burden on insured individuals for major medical costs [2] - The program allows the use of individual medical insurance account balances to pay premiums for eligible participants, including their spouses, parents, and children [2] Eligibility Criteria - There are no restrictions based on health conditions for participation; individuals with pre-existing conditions can enroll without affecting their compensation ratio [2] - The program ensures that all participants, regardless of their health status, receive the same compensation ratio, promoting inclusivity [2]