Core Insights - The article highlights the continuous development and improvement of the medical insurance system in Jinan, emphasizing its role in providing comprehensive protection against health risks for the public [1] Group 1: Product Launch and Features - The "Qilu Bao 2026 Edition" insurance plan was officially launched on October 12, 2023, designed to closely integrate with basic medical insurance while introducing various innovations [1] - The plan features a "zero-threshold" enrollment policy, allowing participation regardless of age, occupation, or health status [2] - Three coverage tiers are available: - Rural Revitalization Version starting at 19 yuan per year, offering four core protections - Inclusive Livelihood Version starting at 59 yuan per year, covering five basic responsibilities - Beautiful Life Version starting at 149 yuan per year, providing comprehensive coverage across nine major responsibilities [2] Group 2: Family Benefits and Discounts - Newborns can be enrolled for free in the 2026 edition if both parents are insured, ensuring medical coverage from birth [6] - Discounts are available for family enrollments, with reductions of 3 yuan per person for two new enrollees and 6 yuan for three or more [6] Group 3: Enhanced Coverage and Services - Deductibles have been lowered across various responsibilities, with significant reductions in the thresholds for different coverage tiers [7][8] - The drug coverage has expanded from 2,000 to 3,000 items, including 37 special drugs and 15 rare disease medications, along with the addition of over 50 original research drugs for online outpatient services [8] - New high-value medical equipment coverage has been introduced, including costs for robotic surgeries and artificial hearts, addressing gaps in basic insurance [8] - Health services have been upgraded to include over 20 management services, covering various aspects of health care [8] Group 4: Claims and Technology Integration - The 2026 edition offers streamlined claims services, enabling local medical treatment with "one-stop settlement" and automatic payment within 1-5 working days for out-of-area treatments [9] - Policyholders can submit claims online via the "Qilu Bao" WeChat account or through a dedicated service hotline, ensuring comprehensive support throughout the claims process [9]

Core Insights - The "Qilu Bao 2026 Edition" insurance program has officially launched, designed as a supplementary commercial health insurance closely linked to basic medical insurance in Shandong Province [1] - Since its inception in 2020, "Qilu Bao" has enrolled over 4.1 million participants, demonstrating its popularity and effectiveness in providing health coverage [1] - The 2026 edition introduces three main products: Rural Revitalization Version, Inclusive Livelihood Version, and Beautiful Life Version, with continuous optimization in terms of deductibles, coverage responsibilities, and reimbursement ratios [1][3] Product Features - The Beautiful Life Version is highlighted as a significant offering this year, featuring enhancements through "Six Optimizations, Four Additions, and Four Expansions" [3] - The "Four Additions" include new coverage for specific medical expenses, overseas special drugs, internet outpatient responsibilities, and post-operative care [3] - The "Six Optimizations" focus on lowering deductibles for various categories of medical expenses, including high-cost drugs and proton therapy, while increasing coverage amounts for proton therapy [3] - The "Four Expansions" broaden the range of covered drug categories across different responsibilities, enhancing the overall protection offered [3] Accessibility and Inclusivity - The "Qilu Bao 2026 Edition" is designed to be inclusive, with no restrictions on age, occupation, or health status for policyholders [3] - Participants can utilize their employee medical insurance personal accounts to enroll themselves or their close relatives, promoting accessibility [3] - The program adheres to principles of being distinctive, beneficial to the public, and sustainable, addressing diverse community needs [3]

Core Insights - The "Qilu Bao 2026 Edition" insurance program has officially launched, with over 150,000 participants on the first day, targeting employees and residents covered by basic medical insurance in Shandong Province and Jinan City [1] - This program is designed as a supplementary commercial health insurance that closely integrates with basic medical insurance, offering enhanced coverage and convenience [1] Product Features - The "Qilu Bao 2026 Edition" offers three main products: Beautiful Life Version, Inclusive Livelihood Version, and Rural Revitalization Version, each tailored to different demographic needs [1][3][5] - The Beautiful Life Version features lower deductibles, broader coverage, and higher coverage limits, including new benefits for high-value medical devices and advanced medical technologies [1] - The Inclusive Livelihood Version retains core responsibilities while increasing reimbursement rates and expanding the range of covered medications, catering to those seeking stable protection [3] - The Rural Revitalization Version focuses on basic coverage with high cost-effectiveness, offering a maximum coverage of 2.61 million yuan starting from a premium of 19 yuan [5] Optional Upgrades - The program includes three optional upgrade plans that can be combined with the Rural Revitalization and Inclusive Livelihood Versions, such as overseas special medication coverage and online consultation services [7] - The total annual coverage can reach up to 4.77 million yuan, providing an additional layer of security for insured individuals [7]

Core Insights - The launch of "Qilu Bao 2026 Edition" offers affordable commercial health insurance starting at 19 yuan, aiming to provide essential health protection for families [1][4] - The product features tiered options catering to different needs, including basic coverage, stable protection, and comprehensive services for high-quality medical care [2] - The insurance emphasizes convenience in claims processing, with a "one-stop settlement" service that ensures seamless reimbursement and quick payouts [3] Group 1 - The "Qilu Bao 2026 Edition" is designed to be accessible with a minimum premium of 19 yuan, promoting a "zero threshold, high coverage" model [1][4] - The product offers three distinct plans: the "Rural Revitalization Version" at 19 yuan, the "Inclusive Livelihood Version" at 59 yuan, and the "Beautiful Life Version" at 149 yuan, each tailored to different consumer needs [2] - The comprehensive design allows for small investments to yield significant health protection, addressing various market segments effectively [2] Group 2 - The claims process is streamlined, allowing for immediate payouts upon discharge from local hospitals, and automatic transfers for out-of-area claims within 1-5 working days [3] - Trust in the product is evidenced by over 410 million users, with 51.39 million claims processed and a total payout of 220 million yuan from 2023 to September 2025 [4] - The insurance aims to prevent poverty caused by medical expenses, reinforcing its role as a stabilizing force for families [4]

Core Insights - The launch of "Qilu Bao 2026 Version" aims to enhance the accessibility and affordability of medical insurance for residents in Jinan, with a focus on meeting diverse needs and improving service delivery [3][4][16] Group 1: Product Features - "Qilu Bao 2026 Version" is a commercial medical insurance product closely linked to basic medical insurance, regulated by the Shandong Provincial Medical Insurance Bureau and the National Financial Supervision Administration [3] - The product offers a low premium starting at 19 yuan, providing coverage up to 2.61 million yuan, making it an attractive option for budget-conscious individuals [5] - Three main product versions are introduced: - Rural Revitalization Version focuses on basic coverage and high cost-effectiveness [5] - Universal Livelihood Version retains core benefits while enhancing coverage and reimbursement rates [7] - Beautiful Life Version features expanded coverage, including advanced medical technologies and international medical services [9] Group 2: Enrollment and Accessibility - The enrollment channel for "Qilu Bao 2026 Version" is officially open, allowing participants to sign up through various platforms, including WeChat [1][18] - The product breaks down barriers related to age, occupation, and health status, allowing for family coverage through individual medical accounts [15] - Newborns of insured parents can receive basic coverage for free, promoting inclusivity [15] Group 3: Claims and Service Enhancements - The product features an upgraded claims process, including seamless integration with basic medical insurance for local and out-of-town medical services [15] - Since the implementation of the "one-stop settlement" system, over 610 million transactions have been processed, benefiting 420,000 individuals [15] - The initiative aims to alleviate the financial burden of medical expenses, with an average payout of 5,000 yuan per person [18]