2025年度“深圳惠民保”参保人数突破615万 3年超1800万人次参保

Core Insights - The 2025 Shenzhen Huimin Insurance program has seen a record participation of over 6.15 million individuals, with coverage extending from July 1, 2025, to June 30, 2026, providing a full year of protection [1] - The program maintains its inclusive nature by allowing participation without restrictions on age, occupation, or health status, and now includes Shenzhen residents with cross-regional medical insurance [1] - The insurance premium has remained stable at 88 yuan per person per year for three consecutive years, while significant upgrades to coverage have been introduced for the 2025 plan [2] Participation and Coverage - The program has attracted participation from nearly 26,000 enterprises, covering over 1.05 million employees, reflecting corporate commitment to employee welfare [2] - The maximum age of participants has reached 113 years, while the youngest is just five days old, showcasing the program's broad demographic reach [1] Benefit Enhancements - The 2025 plan features a substantial reduction in deductibles, with some treatment deductibles lowered by 4,000 yuan compared to the previous year, and a maximum reduction of 28.6% for continuous participants [2] - New coverage includes self-paid hospitalization treatments, with specific advanced medical procedures now eligible for claims, and the reimbursement limit for rare diseases has been increased to 600,000 yuan per year [2] Claims and Payouts - The program has already facilitated claims for participants, with the first payout occurring the day after the coverage became effective, indicating a lower threshold for claims [3] - A notable case involved a participant with significant medical expenses, where the insurance covered 31,066.26 yuan after the initial reimbursement from Shenzhen medical insurance [3][4]