十四五·十四物“系列报道之十二 一份保单托起家庭希望

Core Insights - The "Hui Min Bao" insurance program has become a crucial support for individuals with pre-existing conditions, providing affordable coverage and financial relief during medical emergencies [1][2][3] Group 1: Program Overview - "Hui Min Bao" is a government-guided, commercially underwritten health insurance aimed at the general public, characterized by low thresholds, low premiums, and high coverage [2][3] - The program is open to all ages, professions, and health statuses, specifically targeting individuals with pre-existing conditions, thus filling the gap between basic medical insurance and commercial health insurance [2][3] Group 2: Growth and Development - From 2020 to 2025, the number of "Hui Min Bao" products has increased significantly, from 102 to 313, reflecting a rapid expansion and optimization of the program [3] - The initiative is part of China's broader goal to establish a multi-tiered social security system and promote inclusive commercial health insurance during the 14th Five-Year Plan period [3] Group 3: Coverage and Accessibility - Over 80% of "Hui Min Bao" products now include coverage for special medications, addressing the needs of chronic disease patients, such as those with hypertension and diabetes [3] - The pricing mechanism has evolved from a fixed rate to a differentiated pricing model based on age and health status, ensuring affordability for low-income groups [4] Group 4: Impact on Individuals - Personal testimonies highlight the program's role in providing not only financial support but also psychological reassurance during health crises [1][4] - The program has transformed from merely providing medical access to offering comprehensive health management services, enhancing the overall healthcare experience for beneficiaries [4]