新增470家先进医院、1500多种先进药械 蚂蚁保“好医保”升级的逻辑

Core Insights - Ant Insurance has upgraded its "Good Medical Insurance" series in collaboration with PICC Health and Ping An Health, enhancing coverage for various age groups and specific diseases [1][2][3] Group 1: Product Features - The upgraded "Good Medical Insurance" series includes three core products: Good Medical Long-term Insurance (Flagship Version 2025), Good Medical Long-term Insurance for Seniors (2025 Version), and Good Medical Long-term Insurance for Children (2025 Version) [1] - The series now covers 470 advanced hospitals nationwide, including renowned tertiary hospitals and private medical institutions, expanding access to advanced treatments [1][2] - The flagship version targets cancer and 11 cardiovascular diseases, while the senior version focuses on severe malignant tumors, and the children’s version addresses 120 specific diseases prevalent among children [1][2] Group 2: Advanced Medical Resources - The upgraded products have expanded the outpatient drug list to include all drugs approved by the National Medical Products Administration in 2024, allowing reimbursement for purchased drugs during hospitalization [2] - Over 1,500 advanced medical devices, including all imported drugs, nearly 400 original research drugs, and nationally designated innovative medical devices, are now included with zero deductible and 100% reimbursement for eligible claims [2] - A new "Exclusive Family Doctor Service" will be launched, providing personalized medical advice and connecting users with national hospital and drug resources [2][3] Group 3: Market Insights - Ant Insurance conducted in-depth user research prior to the upgrade, revealing that 85% of respondents felt unqualified to access advanced therapies and 83% were concerned about the high costs associated with them [2] - The company aims to address these concerns by making advanced medical technologies and drugs more accessible and affordable for users [2][3] Group 4: Premium Information - For the upgraded flagship version, a healthy 30-year-old female can expect an annual premium of approximately 417 yuan, with coverage up to 4 million yuan [4]