快问快答丨惠民保值不值得买？

Core Viewpoint - The "Hui Min Bao" insurance product, effective from January 1, 2026, is a government-guided, commercially operated universal insurance aimed at providing affordable coverage, but it faces challenges such as high claims thresholds [1]. Group 1: Affordability and Accessibility - The main feature of Hui Min Bao is its affordability, with annual premiums generally ranging from tens to over two hundred yuan [2]. - The insurance has lenient eligibility criteria, typically not restricting based on age, occupation, or health status, making it accessible for elderly individuals, those with pre-existing conditions, budget-conscious young people, and those seeking to expand their existing coverage [2]. Group 2: Benefits and Features - In 2026, various local Hui Min Bao products will enhance their appeal by expanding the list of covered special medications, lowering claims thresholds, and broadening the insured population [3]. - For instance, the "Beijing Universal Health Insurance" will include 159 types of special medications, featuring 57 domestically listed drugs and 65 overseas drugs not yet available in China, along with an additional 37 new special medications [3]. - Some products will also offer additional services such as appointment assistance, home care, dental cleaning, cancer screening, and traditional Chinese medicine preparation, allowing policyholders to choose services that meet their needs [3]. Group 3: Claims and Considerations - The typical claims threshold for Hui Min Bao ranges from 10,000 to 20,000 yuan, and if the insured does not meet the deductible after reimbursement from basic medical insurance, they will not receive compensation [5]. - The decision to purchase Hui Min Bao should be based on individual needs, considering factors such as age, health status, budget, and understanding the specific deductible, reimbursement ratios, and covered medication lists [5].