Core Insights - The "Shaanxi Universal Health Insurance" has gained significant attention and participation from citizens, with the enrollment period closing on December 31, 2025 [1] Group 1: Coverage and Benefits - The 2026 edition of "Shaanxi Universal Health Insurance" covers three main areas: out-of-pocket expenses within the insurance scheme, self-paid medical costs, and specific high-cost medications [2] - Two insurance plans are available: a basic plan costing 89 yuan with coverage up to 2 million yuan and an upgraded plan costing 169 yuan with coverage up to 5 million yuan, offering more extensive services and higher reimbursement rates [2] - Five key optimizations have been made, including reductions in out-of-pocket expenses and improvements in the coverage of pre-existing conditions and specific medications [2] Group 2: Enrollment and Claims Process - Family discounts are available for renewals without claims or for families enrolling three or more members at once, with the upgraded plan priced at 136 yuan per person per year [2] - The claims process is streamlined, allowing for immediate reimbursement for amounts up to 5,000 yuan upon discharge from partnered medical institutions, minimizing the need for upfront payments [2] - Enrollment is open to all residents of Shaanxi Province, regardless of age, occupation, or health status, as long as they are covered by basic medical insurance [3] Group 3: Payment Options - The program supports the use of personal medical insurance account balances for family members' premiums, eliminating the need for additional cash payments [3]