2026年度“北京普惠健康保”正式上线 特药清单升级至159种

Core Points - The 2026 "Beijing Universal Health Insurance" was officially launched, marking a significant development in the city's healthcare offerings [1][4] - This insurance is the only government-guided supplementary medical insurance in Beijing, emphasizing accessibility and public welfare [5] Product Features - The annual premium remains at 195 yuan per person, with total coverage upgraded to 3.5 million yuan [6] - The threshold for claims has been lowered, with the self-payment responsibility for healthy individuals reduced from 30,404 yuan to 15,000 yuan, and an additional 25% reimbursement for expenses between these amounts [6] - The range of covered special medications has expanded to 87 diseases and 159 drugs, including both domestic and international options [6] - Reimbursement rates for special medications have increased by 5 percentage points for both healthy individuals and those with pre-existing conditions [6][7] Accessibility and Coverage - The insurance is available to all Beijing residents regardless of age, occupation, or health status, promoting inclusivity [8] - Individuals can use their personal medical insurance accounts to pay for premiums, facilitating family coverage [8] Claims and Support - The program has processed 419,000 claims over four years, with a maximum single claim amount reaching 761,100 yuan [9] - The quick claims process allows eligible individuals to receive payments within 1-2 working days, significantly reducing the financial burden during medical emergencies [9] - The insurance aims to provide comprehensive support for all age groups, ensuring that everyone can access necessary medical care [9][10]