Jin Rong Shi Bao·2025-10-22 06:15Core Insights - The implementation of the rural residents' mutual medical insurance in Tibet has significantly alleviated the financial burden of medical expenses for local families, preventing them from falling into poverty due to illness [1][5][6] - The insurance program integrates multiple layers of medical coverage, including basic insurance, major illness insurance, medical assistance, and mutual insurance, creating a comprehensive safety net for residents [1][4][5] Group 1: Impact on Families - The case of Tsering Dorji highlights how the mutual insurance allowed his family to afford a kidney transplant for his son, which would have otherwise been financially unfeasible [2][3] - The experience of Mianqiong demonstrates that her family only had to pay 6,000 yuan out of a total medical expense of 315,200 yuan for her mother's treatment, thanks to the layered insurance coverage [3][5] Group 2: Policy Implementation and Effectiveness - The mutual insurance program was launched in 2022 by China Life Insurance Company in the region, filling a gap in medical mutual insurance in Tibet [4][5] - The program has led to a significant reduction in the medical burden for residents, with 4,997 patients receiving a total of over 14.24 million yuan in claims, benefiting nearly 5,000 families [5][6] Group 3: Service Network and Technological Integration - China Life Insurance has established a four-tier service network across Tibet, ensuring that medical insurance services reach remote areas [6] - The integration of technology has streamlined the claims process, reducing the reimbursement time from 15 days to within 5 days, and achieving over 80% of claims settled instantly online [6][7] Group 4: Future Outlook - The company aims to continue enhancing the medical insurance framework in Tibet, contributing to the overall health and well-being of the population while supporting the region's socio-economic development [7]