2026年度“北京普惠健康保”将于2026年1月1日生效

Core Insights - The "Beijing Universal Health Insurance" for 2026 will officially close its enrollment channel on December 31, 2025, and will take effect on January 1, 2026 [1] - The annual premium for the 2026 plan is set at 195 yuan per person, with a total coverage amount increasing to 3.5 million yuan [1] Coverage Details - The insurance plan covers three main areas: out-of-pocket expenses within the medical insurance, self-paid hospitalization costs outside the insurance, and special drug expenses, with a focus on addressing core medical needs of insured citizens [1] - The deductible for healthy individuals is reduced to 15,000 yuan, and there is a 25% reimbursement for out-of-pocket expenses between 15,000 yuan and 30,404 yuan after medical insurance reimbursement [1] - The coverage for self-paid hospitalization costs includes compliant medical expenses not covered by traditional insurance, filling existing gaps [1] - The special drug coverage has expanded to include 159 types of drugs, with increased reimbursement rates for two groups: healthy individuals at 65% and those with pre-existing conditions at 35%, with a total coverage amount of 1.5 million yuan [1] Additional Benefits - Participants will enjoy a 10% discount on medication purchases, with a total annual subsidy of 1,800 yuan, allowing for up to 12 uses per year [2] - For example, a hypertension patient can save 600 yuan annually on medication costs through this discount [2] - The plan also offers six categories of general services, including free access to medical consultations, rehabilitation, and care, with five free uses per year [2] - Long-term participants with no claims in the previous three years can select one free service from options like traditional Chinese massage, dental check-ups, and health screenings [2] Enrollment Process - Eligible participants can enroll through the official "Beijing Universal Health Insurance" WeChat account, Alipay, and the "Jing Tong" mini-program [3] - Consultations for enrollment are available through six insurance companies, including China Life and Ping An, as well as through various banks' physical branches in Beijing [3]