2025版“威你保”正式上线，产品保障待遇全面升级

Core Viewpoint - The article discusses the launch of the upgraded "Weini Bao 2025," a customized commercial health insurance product in Weihai City, aimed at enhancing the multi-tiered medical security system and reducing the financial burden on citizens [2][3]. Group 1: Product Overview - "Weini Bao" was first introduced in September 2021, providing additional coverage for medical expenses not fully reimbursed by basic health insurance, including out-of-pocket costs for non-covered items [2]. - The product has undergone four iterations, with a total of 1.58 million policies sold, resulting in over 110 million yuan in reduced medical expenses for the insured [2]. - The 2025 version maintains its government-supported positioning within the multi-tiered medical security system, emphasizing a non-profit approach and no restrictions based on age, health status, or pre-existing conditions [3][4]. Group 2: Coverage and Benefits - The premium rates remain unchanged, with specific rates set for different age groups, ensuring affordability for all participants [4]. - The coverage includes hospitalization costs after basic insurance reimbursements, outpatient drug expenses, and special drug costs, with a focus on severe illnesses [4]. - The 2025 version introduces enhanced benefits, such as a 2% increase in compensation for those who have held policies for over five years and new services like "no co-payment care" for hospitalization [5]. Group 3: Service Enhancements - The product now offers a wider range of value-added services, including discounts on medications, eye exams, and free children's photography, available to all policyholders regardless of claims [5]. - The application process has been simplified, allowing for online enrollment and payment through various methods, including personal health insurance accounts [6][7]. - The claims process has been optimized for efficiency, enabling automatic reimbursement for medical expenses incurred both within and outside the province, reducing the need for upfront payments by policyholders [7].