2026年度“江苏医惠保1号”开放投保

Core Points - The "Jiangsu Medical Insurance 1" for 2026 has officially launched, providing supplementary medical insurance guided by the government, with premiums set at 158 yuan/year for the basic version and 258 yuan/year for the upgraded version, offering coverage up to 4 million yuan [1][2] - Over the past four years, "Jiangsu Medical Insurance 1" has paid out over 2.7 billion yuan, benefiting nearly 270,000 families and significantly reducing their medical expenses [1] - The insurance covers a wide range of medical expenses, including those outside the basic medical insurance, such as high-value medical consumables and rare disease medications, effectively alleviating the financial burden on patients [1] Product Features - The basic version focuses on covering major illness treatment costs, while the upgraded version includes reimbursement for advanced treatments like proton therapy and CAR-T, further easing the financial burden on cancer patients [2] - A new optional 30 yuan value-added package has been introduced, providing up to 10,000 yuan in outpatient insurance coverage, allowing for online consultations and medication purchases without the need for queuing [2] - The product aligns with the "dual-channel" policy of basic medical insurance, allowing patients to purchase and use medications during hospitalization without being restricted by the basic insurance catalog, thus reducing out-of-pocket expenses for medications [2] Accessibility - From September 23, eligible residents of Jiangsu can conveniently purchase the insurance through various channels, including the "Jiangsu Medical Insurance Cloud" app and official WeChat accounts [2]