北京普惠健康保起付线降至15000元

Core Points - The 2026 Beijing Inclusive Health Insurance will open for enrollment, with a reduced deductible for healthy individuals set at 15,000 yuan, down from 30,404 yuan, and an increase in the reimbursement rate for special drugs by 5 percentage points [1] - The coverage for special drugs has expanded to 87 diseases and 159 products, including 57 domestic and 65 overseas special drugs, along with 37 innovative drugs [1] - The annual premium remains unchanged at 195 yuan per person, with a total coverage amount upgraded to 3.5 million yuan [1] Summary by Sections Deductible and Reimbursement Changes - The deductible for healthy individuals is reduced to 15,000 yuan, with 25% reimbursement for personal expenses between 15,000 yuan and 30,404 yuan after basic medical insurance [1] - For expenses exceeding 30,404 yuan, healthy individuals will receive 80% reimbursement, while those with specific pre-existing conditions will receive 40% [1] Special Drug Coverage - The reimbursement rate for special drugs has increased from 60% to 65% for healthy individuals and from 30% to 35% for those with specific pre-existing conditions [1] - The list of covered diseases has expanded to 87, and the drug list now includes 159 products, enhancing accessibility and affordability for patients [1] Additional Benefits and Enrollment - New online and offline 10% discount on medications is introduced, covering common drugs, chronic disease medications, and original research drugs [1] - Continuous enrollment benefits include lower deductibles for those with no claims in the past three years, and a range of health management services [1] - Enrollment is open to all individuals with basic medical insurance in Beijing, including new residents and specific government-managed groups [1] - The insurance is jointly guided by the Beijing Medical Security Bureau and the Beijing Financial Committee, with multiple insurance companies involved in underwriting [1]