第一份保障，从济南医保+齐鲁保开始

Core Insights - The article highlights the continuous development and improvement of the medical insurance system in Jinan, emphasizing its role in providing comprehensive protection against health risks for the public [1] Group 1: Product Launch and Features - The "Qilu Bao 2026 Edition" insurance plan was officially launched on October 12, 2023, designed to closely integrate with basic medical insurance while introducing various innovations [1] - The plan features a "zero-threshold" enrollment policy, allowing participation regardless of age, occupation, or health status [2] - Three coverage tiers are available: - Rural Revitalization Version starting at 19 yuan per year, offering four core protections - Inclusive Livelihood Version starting at 59 yuan per year, covering five basic responsibilities - Beautiful Life Version starting at 149 yuan per year, providing comprehensive coverage across nine major responsibilities [2] Group 2: Family Benefits and Discounts - Newborns can be enrolled for free in the 2026 edition if both parents are insured, ensuring medical coverage from birth [6] - Discounts are available for family enrollments, with reductions of 3 yuan per person for two new enrollees and 6 yuan for three or more [6] Group 3: Enhanced Coverage and Services - Deductibles have been lowered across various responsibilities, with significant reductions in the thresholds for different coverage tiers [7][8] - The drug coverage has expanded from 2,000 to 3,000 items, including 37 special drugs and 15 rare disease medications, along with the addition of over 50 original research drugs for online outpatient services [8] - New high-value medical equipment coverage has been introduced, including costs for robotic surgeries and artificial hearts, addressing gaps in basic insurance [8] - Health services have been upgraded to include over 20 management services, covering various aspects of health care [8] Group 4: Claims and Technology Integration - The 2026 edition offers streamlined claims services, enabling local medical treatment with "one-stop settlement" and automatic payment within 1-5 working days for out-of-area treatments [9] - Policyholders can submit claims online via the "Qilu Bao" WeChat account or through a dedicated service hotline, ensuring comprehensive support throughout the claims process [9]