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]

Core Viewpoint - The article emphasizes the importance of timely health insurance enrollment for newborns, highlighting policy changes that extend the duration of benefits for infants born after 2025 [2]. Summary by Sections Newborn Insurance Enrollment - Newborns must be enrolled in health insurance within 90 days of birth to ensure coverage for medical expenses from the day of birth [5]. - If the legal guardian is already enrolled in urban-rural resident health insurance, the newborn can be automatically included in the plan [5][6]. Independent Enrollment - For independent enrollment, the newborn's medical expenses can be reimbursed from the day of birth, with a 5% increase in reimbursement rates for minors [5]. - The 2026 fee standards are set at 400 yuan per person per year for the first tier and 775 yuan for the second tier [7]. Changes in Policy - Starting from 2025, newborns born during the urban-rural resident health insurance payment period will have their benefits extended from birth until December 31 of the following year [7]. - Previously, if a newborn was born in November 2023, both 2023 and 2024 fees would need to be paid for coverage from birth. Under the new policy, only the 2026 fee is required for coverage from birth [7]. Enrollment Timing and Benefits - If enrollment occurs after 90 days, the newborn may not receive financial assistance, and benefits will depend on the specific enrollment date [8]. - Parents are advised to enroll their newborns within 90 days to avoid any impact on insurance benefits [9]. Enrollment Process - The enrollment process can be completed through the "Yukuaiban" app, where parents can register and pay the necessary fees [10][13]. - For newborns with out-of-city residency, guardians must obtain a residence permit before proceeding with health insurance registration [12].