保费依然88元！2025年度“深圳惠民保”正式上线

Core Viewpoint - The 2025 "Shenzhen Huiminbao" program continues to provide affordable healthcare insurance with a premium of 88 yuan per person per year, aiming to enhance accessibility and reduce the financial burden of medical expenses for residents [2][3]. Summary by Sections Program Overview - The "Shenzhen Huiminbao" program is an essential part of Shenzhen's multi-tiered medical insurance system, providing supplementary medical coverage alongside basic medical insurance, critical illness insurance, and medical assistance [1]. Premium and Coverage - The annual premium remains unchanged at 88 yuan per person, with efforts to lower claim thresholds, expand coverage, and increase the number of insured individuals [3]. Benefit Adjustments - The program has upgraded its benefits for 2025 by reducing the deductible amounts across various categories by 4,000 yuan. For instance, the deductible for "medical expenses within the insurance directory" and "hospital self-paid compliant drugs" has decreased from 15,000 yuan to 11,000 yuan [3]. Claims Process - The program emphasizes a "one-stop" claims process, allowing insured individuals to settle their medical expenses directly at over 9,600 designated medical institutions in Shenzhen and other cities in the province [7][9]. Inclusion of New Treatments - New high-cost self-paid treatments, such as proton therapy and robotic surgery, have been included in the coverage. Additionally, the annual maximum coverage for certain rare diseases has been increased to 600,000 yuan [5]. Expansion of Eligibility - The 2025 program expands eligibility to include Shenzhen residents participating in out-of-town medical insurance, ensuring they can benefit from the "Shenzhen Huiminbao" program [5]. Enrollment Channels - Various enrollment channels are available, including official WeChat accounts, Alipay, and new options like the Traffic Bank APP, enhancing accessibility for potential participants [11]. Special Group Support - The program will also assist special groups, such as medical assistance recipients and disabled residents, by streamlining their enrollment and payment processes [12].