2026年度“北京普惠健康保”正式上线

Core Points - The 2026 "Beijing Inclusive Health Insurance" was officially launched, supported by various government departments and representatives from six member units of the mutual insurance body [1] - This insurance product aims to provide affordable and accessible supplementary medical insurance for residents of Beijing, with over 15 million participants in the past four years [1] - The annual premium remains at 195 yuan per person, with total coverage increased to 3.5 million yuan, featuring optimized benefits such as lower claim thresholds and expanded coverage for specific medications [1][2] Summary by Sections - Insurance Features - The insurance maintains a low premium of 195 yuan per person per year and increases the cumulative coverage to 3.5 million yuan [1] - Key enhancements include reduced claim thresholds, expanded coverage for specific medications, and a 5% increase in reimbursement rates for special medications [1] - Continuous participants with no claims for three years will benefit from reduced deductibles for out-of-pocket expenses and one free health service annually [1] - Enrollment Conditions - The 2026 plan continues the "inclusive coverage" philosophy, with no restrictions on age, residency, occupation, or health status, allowing coverage for specific pre-existing conditions [2] - Participants who initially enrolled as healthy individuals can continue to receive benefits even if they develop specific pre-existing conditions during the coverage period [2] - Claims Process - The insurance offers a proactive and expedited claims process, with 89% of claims processed quickly since the fast claims feature was introduced [2] - Eligible claimants receive SMS notifications for claims, and the process requires minimal documentation, allowing for payments to be received within 1-2 working days [2] - Enrollment Deadline - The enrollment deadline for the 2026 plan is December 31, 2025, with coverage effective from January 1 to December 31, 2026 [2]