2025年“惠绵保”正式发布！新增129元优选款，免赔额再降！

Core Viewpoint - The 2025 "Hui Mian Bao" health insurance product was launched in Mianyang, featuring significant upgrades aimed at enhancing medical coverage and reducing financial burdens for residents [1][2][4]. Government Support - The "Hui Mian Bao" initiative has received strong backing from various government departments, effectively alleviating the medical expenses burden on patients [2][4]. - Since its inception over three years ago, "Hui Mian Bao" has paid out over 93 million yuan, benefiting 11,100 families and significantly reducing their medical costs [2]. Product Features - The 2025 version introduces two plans: the "Universal Version" at 89 yuan and the new "Preferred Version" at 129 yuan, both offering enhanced coverage [8][9]. - The "Preferred Version" features a lower annual deductible and a segmented compensation mechanism to further ease high medical costs [8][9]. - Continuous enrollment in "Hui Mian Bao" allows for reduced deductibles, with the "Preferred Version" deductible dropping to 8,000 yuan and the "Universal Version" to 10,000 yuan [9][10]. Target Demographics - The insurance is available to three main groups: individuals enrolled in Mianyang's basic medical insurance, local residents, and new citizens with valid residency permits [11]. - Special attention is given to minors, with further reductions in deductibles for those aged 0-18, and additional coverage for specific conditions like phenylketonuria [9][10]. Coverage Scope - "Hui Mian Bao" covers both in-network and out-of-network medical expenses, including 31 types of special medications, addressing high-incidence critical illnesses and rare diseases [10][11]. - The product also offers additional health services, such as dental care and discounts on medication purchases, enhancing its value beyond traditional insurance [10].