2025版“沪惠保”双险参保通道，将于7月31日全面关闭！

Core Points - The article emphasizes the urgency for Shanghai residents covered by basic medical insurance to enroll in the 2025 version of "Huibao" and "Specific Disease Insurance" before the application window closes on July 31, 2025 [2][22] - The combined insurance offers comprehensive health coverage, including a total of 3.1 million yuan in medical protection and a maximum of 200,000 yuan in specific disease allowances for high-incidence cancers [5][8] Summary by Category Insurance Details - The 2025 version of "Huibao" costs 129 yuan per person per year, while the "Huibao-Specific Disease Insurance" costs 50 yuan per person per year, making the average daily cost less than 0.5 yuan [3] - The insurance period is from July 1, 2025, to June 30, 2026 [3][19] - There is no age, occupation, residency, or health status restriction for enrollment, and pre-existing conditions are covered [3] Coverage Benefits - The "Huibao" provides coverage for inpatient self-paid expenses, domestic and overseas special drugs, proton and heavy ion therapy, and CAR-T therapy, with a maximum reimbursement of up to 1 million yuan [5] - The "Huibao-Specific Disease Insurance" focuses on 11 high-incidence cancers, providing immediate compensation upon diagnosis, thus complementing the medical expense reimbursement [8] - The insurance includes direct payment for proton therapy and special drug costs, eliminating the need for patients to pay upfront [8] Enrollment Process - Enrollment can be completed through the "Suishenban Citizen Cloud" app, with a two-step process for obtaining both insurances [17] - A discount of 25 yuan on the premium is available for those who use the Bank of Communications digital RMB wallet for payment [12] Real-Life Impact - Case studies illustrate the effectiveness of the insurance, showing significant reimbursements for high medical expenses incurred by policyholders suffering from severe health conditions [14]