中国人寿首席承保“深圳惠民保”

Core Insights - The 2025 "Shenzhen Huimin Bao" has been officially launched, maintaining a premium of 88 yuan while upgrading coverage, serving as an important supplement to Shenzhen's multi-level medical insurance system [1] - Since its introduction in 2023, "Shenzhen Huimin Bao" has enrolled over 12.13 million participants, covering nearly half of Shenzhen's permanent population, effectively addressing diverse medical insurance needs and reducing out-of-pocket expenses for residents [1] - China Life Insurance Company has been the chief underwriter for three consecutive years, contributing to product design, service optimization, and operational management, leading to significant improvements in coverage and service quality [1] Summary by Categories Premium and Coverage Adjustments - The 2025 "Shenzhen Huimin Bao" employs a strategy of "five reductions, three expansions, and one increase" to optimize coverage [2] - The deductibles for the five benefit categories have been reduced by 4,000 yuan, with a maximum reduction of 28.6%, and an additional 1,000 yuan reduction for participants with two or more years of coverage [2] Expanded Benefits - The program has broadened the scope of inpatient self-paid coverage, rare disease special treatment, and the "Hong Kong and Macau drug and device" coverage [2] - The annual cap for rare disease medications has been increased to 600,000 yuan, and the coverage for "Hong Kong and Macau drug and device" has been expanded to 17 items, with a maximum reimbursement of 500,000 yuan per year [2] Inclusion of Expatriates - For the first time, "Shenzhen Huimin Bao" includes Shenzhen residents with medical insurance in other regions, allowing them to benefit from the program after reimbursing compliant medical expenses through their local insurance [2] Digital Transformation - China Life's Shenzhen branch has actively promoted digital ecosystem development, achieving a 99% claim rate through a "one-stop" service, significantly reducing the financial burden on insured individuals [2]