仅剩最后两周 从真实案例看“北京普惠健康保”如何为医疗、特药费用减负

Core Insights - The "Beijing Universal Health Insurance" has significantly reduced the financial burden of medical expenses for citizens, with over 3 million participants as of now, reflecting its popularity and effectiveness in providing affordable healthcare solutions [1][4] Group 1: Product Features and Upgrades - The 2026 version of "Beijing Universal Health Insurance" features lower reimbursement thresholds and increased compensation, making it more accessible for citizens [1] - The insurance structure shows a concentration of participants aged 35-49 (29.1%), followed by those aged 50-64 (26.01%) and 65-80 (22.47%), indicating a focus on middle-aged and elderly demographics [1] - The insurance plan encourages the use of individual medical accounts for premium payments, with 52.21% of participants utilizing this method [1] Group 2: Claims and Financial Impact - A real case from 2025 shows a participant saved nearly 257,000 yuan in medical expenses due to the insurance, highlighting its financial benefits [2] - For the 2026 plan, the deductible for insured individuals has been reduced from 30,404 yuan to 15,000 yuan, with an added 25% reimbursement for expenses between these amounts, further easing the financial burden [2] - The reimbursement for specific medications has increased from 60% to 65% for healthy individuals, and the list of covered medications has expanded to 159, including innovative treatments [3] Group 3: Enrollment and Accessibility - The enrollment period for the 2026 plan is closing soon, with a deadline of December 31, 2025, urging citizens to secure their coverage [4] - The insurance is available to a wide range of participants, including those covered by Beijing's basic medical insurance and specific government-managed groups [4]