参保延至1月31日！2026年度“北京普惠健康保”五大热点问题官方解答

Core Viewpoint - The enrollment period for the 2026 "Beijing Universal Health Insurance" has been extended to January 31, 2026, in response to public demand, with over 4.19 million people enrolled so far [1][7]. Group 1: Enrollment Details - The main demographic for enrollment is individuals aged 35-49, accounting for over 29%, followed by those aged 50-64, making up over 25% [1][7]. - The eligible enrollment groups remain unchanged, including individuals with basic medical insurance, specific groups managed by government departments, central public medical insurance participants, and new residents with Beijing residency or residence permits [1][8]. Group 2: Coverage Benefits - The insurance covers three core areas to alleviate medical expenses: 1. In-network Self-paid Expenses: Deductibles for healthy individuals are reduced to 15,000 yuan, while those with specific pre-existing conditions have a deductible of 30,404 yuan. Reimbursement rates vary based on the expense range [2][8]. 2. Out-of-network Hospitalization: Similar deductible structures apply, with additional benefits for continuous policyholders without claims [2][8]. 3. Special Medication Costs: No deductible, with reimbursement rates of 65% for healthy individuals and 35% for those with pre-existing conditions, and an increased coverage limit of 1.5 million yuan [2][9]. Group 3: Premium and Payment Options - The premium remains at 195 yuan per person per year, with equal pricing for all age groups, and the coverage period is from January 1, 2026, to December 31, 2026 [3][10]. - During the extended enrollment period, individuals can use their medical insurance accounts to pay for premiums for themselves and their family members [4][11]. Group 4: Enrollment Closure - After January 31, 2026, the enrollment channel will close, and no further opportunities to enroll will be available [5][12]. - Citizens are encouraged to use official platforms for enrollment, including WeChat, Alipay, and various insurance companies and banks [6][13].