父母一方参保，宝宝出生即享医保待遇

Core Viewpoint - Hunan Province is implementing a new health insurance policy for newborns starting January 1, 2026, allowing parents who are enrolled in basic health insurance to exempt their newborns from paying the annual urban and rural resident health insurance fee, effectively achieving "insurance upon birth" [1] Group 1: Policy Implementation - The new policy is expected to benefit approximately 350,000 newborns in Hunan, resulting in a total exemption of health insurance fees amounting to 140 million yuan [1] - A detailed operational guideline for the enrollment process has been issued, which standardizes the registration for health insurance both online and offline, alongside a "zero out-of-pocket" policy for childbirth costs in certain cities [1] Group 2: Enrollment Process - Newborns eligible for the exemption must still complete the enrollment registration to enjoy health insurance benefits, with clear pathways for both online and offline registration [3] - Online registration can be done via the Xiang Medical Insurance App or mini-program, allowing parents to choose their registration area freely, while offline registration can be completed at designated service windows [3][4] Group 3: Additional Benefits - In Hengyang, a "zero out-of-pocket" policy for childbirth expenses has been introduced, covering costs such as hospitalization and pain relief during delivery for insured individuals [5] - Previous pilot programs in Yueyang have shown positive results, with 513 individuals benefiting from a similar policy, leading to a total fund expenditure of 2.547 million yuan and minimal personal out-of-pocket costs [5]