"镇江惠民保2026"由镇江市医保局等部门指导，7家保险公司共同承保。本年度产品在保持保费不变的 基础上实现保障升级：基础版仍为99元/年，最高保额260万元；升级版299元/年，最高保额412万元。 特药保障同步扩充，CAR-T药品种类增至4种。产品坚持"低门槛、广覆盖"，不限年龄、职业、健康状 况，全市基本医保参保人均可投保。 本报讯(薛诚郑一云李翔)12月16日，"镇江惠民保2026"正式发布。作为衔接基本医保的普惠型商业健康 保险，运行4年来，该产品累计参保突破210万人次，赔付总金额超2.9亿元，单人最高累计赔付达226万 元。 家庭共保可享优待成为新亮点。投保人为本人及至少2名直系亲属(父母、配偶、子女)共同投保，其医 保目录内自付费用与目录外自费费用的年免赔额可各降低500元。此外，参保"镇江惠民保2025"且无理 赔的市民，在续保"镇江惠民保2026"后，上述两项费用的年免赔额均降至1.4万元，进一步降低了理赔 门槛。 ...

扬子晚报网12月16日讯(通讯员郑一云李翔记者万凌云姜天圣)累计参保突破210万人次，赔付总金额超2.9亿元，单人最高累计赔付金额达226万元……12月 16日，"镇江惠民保2026"发布会举行。作为衔接镇江市基本医保的普惠型商业健康保险，产品上线四年来，为无数家庭筑起高额医疗费用的"防护墙"。 发布现场 现场 家庭单参保优待，是"镇江惠民保2026"的又一亮点。投保人作为被保险人之一，并且再为2名或以上的直系亲属(包含投保人父母、配偶、子女)投保，即 可享受责任一(医保目录内自付费用)和责任二(医保目录外自费费用)免赔额各降低500元的优待。此外，在理赔门槛方面，持续建立免赔额动态调节机制， 去年参保"镇江惠民保2025"且无理赔的市民，今年续保"镇江惠民保2026"，"责任一"与"责任二"的年免赔额，均降至1.4万元。 "镇江惠民保是基本医疗保险的重要补充，它低门槛、广覆盖，小保费、大保障，满足了群众多元化的健康保障需求。"镇江市医保局党组成员、医保中心 主任张正明表示，医保部门将持续强化监管，督促承保机构优化理赔服务，推动惠民保与基本医保、大病保险无缝衔接，有效防范"因病致贫、因病返 贫"，更好地惠及参 ...

Core Insights - The "Hui Min Bao" insurance program has become a crucial support for individuals with pre-existing conditions, providing affordable coverage and financial relief during medical emergencies [1][2][3] Group 1: Program Overview - "Hui Min Bao" is a government-guided, commercially underwritten health insurance aimed at the general public, characterized by low thresholds, low premiums, and high coverage [2][3] - The program is open to all ages, professions, and health statuses, specifically targeting individuals with pre-existing conditions, thus filling the gap between basic medical insurance and commercial health insurance [2][3] Group 2: Growth and Development - From 2020 to 2025, the number of "Hui Min Bao" products has increased significantly, from 102 to 313, reflecting a rapid expansion and optimization of the program [3] - The initiative is part of China's broader goal to establish a multi-tiered social security system and promote inclusive commercial health insurance during the 14th Five-Year Plan period [3] Group 3: Coverage and Accessibility - Over 80% of "Hui Min Bao" products now include coverage for special medications, addressing the needs of chronic disease patients, such as those with hypertension and diabetes [3] - The pricing mechanism has evolved from a fixed rate to a differentiated pricing model based on age and health status, ensuring affordability for low-income groups [4] Group 4: Impact on Individuals - Personal testimonies highlight the program's role in providing not only financial support but also psychological reassurance during health crises [1][4] - The program has transformed from merely providing medical access to offering comprehensive health management services, enhancing the overall healthcare experience for beneficiaries [4]

Core Viewpoint - The 2025 "Shenzhen Huimin Insurance" program has been upgraded to include Shenzhen residents participating in off-site medical insurance, maintaining the premium at 88 yuan while expanding coverage and reducing deductibles [1][2]. Group 1: Coverage Expansion - The 2025 "Shenzhen Huimin Insurance" will now cover Shenzhen residents with off-site medical insurance, allowing participation regardless of age, occupation, or health status [1]. - The program has seen significant uptake, with 6.09 million participants in 2024, ranking among the top in the country [1]. Group 2: Deductible Reductions - The deductibles for various benefits have been reduced by up to 28.6%, with specific reductions of 4,000 yuan across five treatment categories [2]. - For instance, the deductible for "medical directory expenses" and "hospital self-paid compliant drugs" has decreased from 15,000 yuan to 11,000 yuan [2]. Group 3: Enhanced Benefits - The program now includes coverage for self-paid compliant diagnostic and treatment expenses during hospitalization, with a deductible of 11,000 yuan and a payment ratio of 70% [3]. - The annual maximum coverage for rare diseases has been increased to 600,000 yuan, and new treatments have been added to the coverage list [3]. Group 4: Direct Settlement Process - The "one-stop" direct settlement process allows participants to settle both medical insurance and "Shenzhen Huimin Insurance" claims simultaneously at over 9,600 designated medical institutions [4]. - This process has resulted in 99% of claims being settled directly, minimizing the need for participants to prepay and submit extensive documentation [4]. Group 5: Enrollment and Payment Options - Participants can use their medical insurance personal account balances for eligible family members and can enroll through various online platforms, including WeChat and Alipay [5]. - An AI assistant has been integrated into the official enrollment platform to provide users with quick and accurate responses to inquiries [5].

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].