Hua Xia Shi Bao·2025-05-28 08:43Core Insights - The article highlights the story of a 13-year-old girl named Tian Yaoxing, who suffers from congenital retinal dysplasia and multiple health issues, and how a public welfare medical insurance project named "Da Ai Wu Jiang" has provided crucial financial support for her medical expenses [2][3][4]. Group 1: Medical Insurance Project Overview - "Da Ai Wu Jiang" is a public welfare medical insurance project initiated in Zhuhai, China, aimed at providing comprehensive medical coverage, including basic insurance, critical illness insurance, and additional compensation [6][5]. - The project operates under a multi-layered medical insurance system, which includes government guidance and non-profit commercial insurance, ensuring that it is accessible to a wide range of individuals, including the elderly and those with pre-existing conditions [6][7]. - Since its launch in 2019, the project has accumulated a total payout of 774 million yuan, benefiting over 173,400 individuals, with the highest individual payout reaching 1.332 million yuan [6][7]. Group 2: Financial Impact on Families - Tian Yaoxing's total medical expenses reached 798,000 yuan, of which 669,000 yuan was reimbursed through various insurance schemes, leaving her family with only 129,000 yuan to cover [5][6]. - The project also provided an additional cash compensation of 40,000 yuan, significantly alleviating the financial burden on her family, which relies solely on her father's income [5][6]. - The proactive support from China Life Insurance staff, including hospital visits and early compensation payments, has been crucial for families like Tian's, providing both financial and emotional support during difficult times [5][6]. Group 3: Broader Implications and Future Directions - The project has expanded its coverage to include self-paid medications for malignant tumors and rare diseases, promoting collaboration between pharmaceutical companies and charitable organizations to improve accessibility [7]. - Initiatives like "Ai Jian Kang" have been introduced to focus on health management services, aiming to shift the focus from treatment to prevention, thereby enhancing the overall health of insured individuals [7]. - The success of "Da Ai Wu Jiang" reflects a growing commitment to inclusive financial solutions in the insurance industry, with China Life Insurance positioning itself as a leader in the field of inclusive insurance [7].