Jin Rong Jie Zi Xun·2026-01-07 07:10Core Viewpoint - ZhongAn Online is actively participating in the integration pilot of "medical insurance + commercial insurance" in Shanghai, aiming to enhance health coverage and meet the health management needs of insured individuals and their families [1][2]. Group 1: Product Offerings - The "Zhongminbao" series products, including "Zhongminbao Million Medical Insurance 2025" and "Zhongminbao High-end Medical Insurance," have been included in the personal account payment scope of Shanghai's medical insurance [1]. - The "Zhongminbao" series features "coverage for pre-existing conditions," making it more inclusive for high-risk groups such as the elderly and those with health abnormalities [1]. - The "Zhongminbao High-end Medical Insurance" has gained popularity, generating over 140 million in premiums within ten days of its launch [1]. Group 2: Coverage and Benefits - "Zhongminbao Million Medical Insurance 2025" offers low entry barriers and high coverage, with a maximum coverage amount of 6 million, covering both in-network and out-of-network medical expenses [1][2]. - The "Zhongminbao High-end Medical Insurance" provides zero deductible for inpatient medical expenses and expands the scope of critical illness treatment to include special departments in public hospitals, catering to the demand for quality medical resources [2]. Group 3: Policy Alignment and Market Impact - The integration of "Zhongminbao" into the medical insurance personal account payment system revitalizes dormant funds, transforming small amounts into significant health protection [2]. - The initiative supports family members of insured individuals, allowing them to use personal account balances for insurance, thereby enhancing family-based health risk management [4]. - ZhongAn Online has served over 100 million users in the health insurance sector, contributing to the promotion of inclusive insurance solutions and aligning with national strategies for a multi-tiered medical security system [4].