开放投保！2026年度“江苏医惠保1号”正式发布

Core Viewpoint - The launch of the "Jiangsu Medical Insurance 1" product for 2026 aims to enhance healthcare coverage for residents in Jiangsu Province, providing affordable insurance options with significant benefits and broad coverage [1][5]. Group 1: Product Features - The insurance product offers two premium options: a basic version at 158 yuan per year and an upgraded version at 258 yuan per year, with a maximum coverage of 4 million yuan [1]. - The product covers not only expenses within the basic medical insurance but also includes out-of-pocket costs for high-value medical consumables, rare disease medications, and advanced treatments like proton therapy and CAR-T therapy [2][3]. - The product has achieved a cumulative payout of over 2.7 billion yuan, benefiting nearly 270,000 families, with the highest single payout reaching 804,700 yuan [1]. Group 2: Accessibility and Inclusivity - The insurance has minimal restrictions for enrollment, allowing individuals of any age, health status, or occupation to apply, and it supports family members of insured individuals to purchase coverage [3][6]. - Jiangsu employees can use their individual medical insurance accounts to cover premiums for themselves and their immediate family members, enhancing family health protection [3][6]. Group 3: Claims and Services - The claims process is designed to be efficient, with an average response time of 1.93 days for claims, ensuring quick and reliable service for policyholders [3][4]. - The product includes additional health services, expanding from 34 to 27 continuous health service offerings, emphasizing a supportive role in health management beyond just claims [4]. Group 4: Strategic Importance - The "Jiangsu Medical Insurance 1" product is a key initiative in implementing the "Healthy China" strategy, aiming to improve the multi-tiered medical insurance system and enhance the public's ability to cope with major health risks [5].