九大责任全覆盖 “齐鲁保2026版”开启“美好生活”

Core Insights - The "Qilu Bao 2026 Edition" insurance program has officially launched, designed as a supplementary commercial health insurance closely linked to basic medical insurance in Shandong Province [1] - Since its inception in 2020, "Qilu Bao" has enrolled over 4.1 million participants, demonstrating its popularity and effectiveness in providing health coverage [1] - The 2026 edition introduces three main products: Rural Revitalization Version, Inclusive Livelihood Version, and Beautiful Life Version, with continuous optimization in terms of deductibles, coverage responsibilities, and reimbursement ratios [1][3] Product Features - The Beautiful Life Version is highlighted as a significant offering this year, featuring enhancements through "Six Optimizations, Four Additions, and Four Expansions" [3] - The "Four Additions" include new coverage for specific medical expenses, overseas special drugs, internet outpatient responsibilities, and post-operative care [3] - The "Six Optimizations" focus on lowering deductibles for various categories of medical expenses, including high-cost drugs and proton therapy, while increasing coverage amounts for proton therapy [3] - The "Four Expansions" broaden the range of covered drug categories across different responsibilities, enhancing the overall protection offered [3] Accessibility and Inclusivity - The "Qilu Bao 2026 Edition" is designed to be inclusive, with no restrictions on age, occupation, or health status for policyholders [3] - Participants can utilize their employee medical insurance personal accounts to enroll themselves or their close relatives, promoting accessibility [3] - The program adheres to principles of being distinctive, beneficial to the public, and sustainable, addressing diverse community needs [3]