2026年度“北京普惠健康保”参保今晚截止

Core Insights - The "Beijing Inclusive Health Insurance" project, the only government-guided supplementary medical insurance in Beijing, will close its enrollment channel for the 2026 plan year at midnight on January 31 [1] Group 1: Insurance Coverage Details - For the 2026 plan year, the insurance focuses on core medical needs, with a deductible of 15,000 yuan for healthy individuals and 30,404 yuan for those with specific pre-existing conditions [1] - Healthy individuals will receive a 25% reimbursement for expenses between 15,000 yuan and 30,404 yuan, while expenses above 30,404 yuan will maintain an 80% reimbursement rate; for specific pre-existing conditions, the reimbursement rate is set at 40% with a coverage limit of 1 million yuan [1] - For out-of-pocket hospital expenses, the deductible is 15,000 yuan for healthy individuals and 20,000 yuan for those with specific pre-existing conditions; for continuous policyholders with no claims, the deductible is reduced to 5,000 yuan for healthy individuals and 15,000 yuan for those with specific pre-existing conditions, with reimbursement rates of 70% and 35% respectively [1] Group 2: Special Drug Coverage - The special drug coverage has been upgraded, with reimbursement rates increased to 65% for healthy individuals and 35% for those with pre-existing conditions, and the coverage limit raised to 1.5 million yuan [2] - The list of covered drugs has expanded to 159 types, covering 87 diseases, providing substantial support for insured individuals with major illnesses [2] Group 3: Project Impact and Statistics - Since its launch in 2021, the "Beijing Inclusive Health Insurance" has adhered to principles of inclusivity and convenience, gaining significant public attention [2] - As of December 2025, the project has processed over 480,000 claims, with the highest single claim amount exceeding 760,000 yuan; beneficiaries range in age from 104 years to less than one month [2]