当前，商业医疗险市场正以差异化、专业化服务满足不同的需求。其中，惠民保、慢病险、中高端 医疗险 " 三分天下 " ，分别聚焦普惠覆盖、专项保障与品质服务，以不同的市场定位精准瞄准民众多元需 求，共同构建起多层次、广覆盖的医疗健康保障网，成为衔接基本医保、填补保障缺口的重要补充。 聚焦改善民生保障，"十五五"规划建议明确提出，"健全多层次医疗保障体系、深化健康中国建 设"。商业医疗险作为市场化保障的核心载体，正迎来政策赋能与需求升级的双重机遇期。 当前，我国人口老龄化进程加深、居民医疗需求向多元化品质化升级，叠加医保支付方式改革与医 保商保协同机制不断完善，共同推动商业医疗险市场加速告别同质化竞争，以差异化、专业化服务满足 不同的需求。 行业数据印证了这一发展趋势。2024年，医疗险规模首次超过重疾险，以约44%的占比成为健康险 市场第一大险种，行业由此迈入医疗险主导的专业化时代。其中，惠民保、慢病险、中高端医疗险"三 分天下"，分别聚焦普惠覆盖、专项保障与品质服务，以不同的市场定位精准瞄准民众多元需求，共同 构建起多层次、广覆盖的医疗健康保障网，成为衔接基本医保、填补保障缺口的重要补充。 惠民保：提质扩量持续 ...

对于来京为子女带娃的父母，若已参加异地基本医保但暂未办理北京市居住证，子女可帮助办理北京市 居住证，一般来说，外地来京的父母，在京没有工作，需要先办理居住登记卡，大家可以通过"北京市 居住证"微信公众号，在首页点击【我要办理→北京市居住证→首次申请北京市居住证(卡)】，选择 【北京市居住登记卡】，根据提示操作即可；《北京市居住登记卡》有效期已满5个月且不到7个月，同 时符合"在京有合法稳定就业、合法稳定住所、连续就读"条件之一，及时申请办理《北京市居住登记 卡》换领《北京市居住证》。 中新网北京11月25日电 随着2026年度"北京普惠健康保"参保通道正式开启，这座城市里的外卖小哥、 异地求学的学子、来京帮衬带娃的父母等新市民群体，迎来专属的医疗保障。作为北京市多层次医疗保 障体系的重要组成部分，"北京普惠健康保"打破医保地域限制，让非北京医保参保的新市民也能手 握"安全感"，投保热情持续升温。 打破基本医保地域限制新市民可保可赔 打破基本医保地域限制 2026年度"北京普惠健康保"新市民参保细则公布 本年度新市民的参保条件依旧是拥有北京户籍或持有北京市居住证且已参加异地基本医保的北京市新市 民。在参保过程中 ...

本报讯 （记者苏向杲）11月25日，"北京普惠健康保"项目组发布了2026年度"北京普惠健康保"新市民参保指南发布。 在保障范围方面，新市民的医疗保障范围覆盖医保内的住院和门诊特殊病自付费用和医保外住院自费费用，在符合赔付条 件的情况下，免赔额以上的费用按约定比例报销；关于特药责任，今年药品清单增至159种，病种覆盖扩展至87种，0免赔额， 符合特药清单且在适应症范围可按比例报销。 在理赔流程方面，新市民在理赔时，如果在医保所在地就医，需经当地基本医疗保险结算后方可报销；如果在非医保所在 地就医，可以先通过"国家医保平台"APP或"国家异地就医备案"小程序线上办理异地就医备案（可跨省直接结算的地区除 外），经当地基本医疗保险结算后方可报销。新市民可以通过"北京普惠健康保"微信公众号线上申请理赔。 （编辑 张明富） 项目组表示，随着2026年度"北京普惠健康保"参保通道正式开启，北京外卖小哥、异地求学的学子、来京帮衬带娃的父母 等新市民群体，都能顺利纳入参保范围。参保不限年龄、不限健康状况。 需注意的是，北京职工医保参保人为家人投保时，如果想用医保个人账户余额支付保费，其家人必须也是北京医保。如果 不满足这类情 ...

Core Points - The "Beijing Inclusive Health Insurance" has opened enrollment for the 2026 plan, with a premium of 195 yuan per person per year, and the self-payment threshold for healthy individuals reduced to 15,000 yuan [1][3] - The coverage for diseases has expanded to 87 types, and the list of reimbursable drugs has increased to 159, including 57 domestic special drugs and 65 overseas special drugs [2][3] - The total coverage amount has been raised to 3.5 million yuan, and the reimbursement ratio for special drugs has increased by 5 percentage points [1][2] Summary by Category Insurance Features - The insurance period for the 2026 plan is from January 1 to December 31, 2026, with a total coverage amount of 350 million yuan [1] - The self-payment threshold for healthy individuals has been lowered from 30,404 yuan to 15,000 yuan, with reimbursement of 25% for expenses between 15,000 yuan and 30,404 yuan after basic medical insurance [1][3] Drug Coverage - The list of reimbursable drugs now includes 159 items, with the addition of 37 innovative drugs, including high-value chronic disease medications [2] - The reimbursement ratio for healthy individuals has increased from 60% to 65%, while for individuals with pre-existing conditions, it has risen from 30% to 35% [2] Health Services - New online and offline 10% discount on drug purchases has been introduced, allowing for an annual subsidy of 1,800 yuan [2] - For insured individuals with no claims in the past three years, the deductible for out-of-pocket expenses has been reduced significantly [2][3] Enrollment Conditions - The enrollment conditions remain flexible, with no restrictions on age, residency, occupation, or health status, covering various groups including those with specific pre-existing conditions [3] - The program has seen over 15 million enrollments and processed 419,000 claims since its launch, with the fastest payouts occurring within 1-2 working days [3]

Core Insights - The article highlights significant developments in the insurance industry, including regulatory updates, company dynamics, and emerging trends in insurance products and services. Regulatory Dynamics - Seven departments support the development of specialized agricultural insurance for the silk industry [4] - The Ministry of Finance welcomes qualified German insurance companies to expand their business in China [8] - The Ministry of Finance has allocated a budget of 45.6 billion for agricultural insurance premium subsidies for 2026 [9] - The central bank maintains the 1-year and 5-year LPR at 3.0% and 3.5% respectively [10] - The Financial Regulatory Bureau reports that the balance of funds utilized by insurance companies reached 37.46 trillion, a 12.6% increase from the beginning of the year [11] Company Dynamics - Sunshine Life plans to invest 20 billion in establishing a pilot fund [23] - Sunshine Life has reduced its stake in Huishang Bank by 11.438 million shares [24] - China Life Insurance provided insurance coverage of nearly 83 trillion for strategic emerging industries in the first three quarters [29] - New China Life has been approved to increase its capital in New China Asset Management (Hong Kong) [30] - Dongwu Property Insurance's Beijing branch has been approved to commence operations [31] Industry Trends - The insurance asset management sector has seen a 10.6% year-on-year increase, managing over 33 trillion in funds [46] - The net profit of PICC Health surged by 200% in the first three quarters [47] - Sixteen insurance companies issued over 600 billion in bonds to supplement capital [49] - The insurance industry is experiencing a shift towards more flexible and innovative insurance products, including a new "per day" drone insurance product launched in Jiangsu [67] - The insurance sector is increasingly focusing on long-term care insurance and products tailored for the elderly [18][19] Personnel Changes - Huang Zhiwei has been approved as the chairman of China Merchants Jinhe Life Insurance [33] - The former general manager of Bank of China Samsung Life, Qiu Zhikun, is now acting chairman [34] - Zhang Yaohui has been appointed as the deputy general manager of Zhonghui Mutual Insurance [37] Product and Service Innovations - New China Life launched a celebratory version of its whole life insurance product, emphasizing dual growth advantages [64] - The 2026 Beijing Inclusive Health Insurance offers a 10% discount on medication purchases for policyholders [65] - Jiangsu has introduced a pioneering "per day" insurance product for drones, enhancing risk management in the low-altitude economy [67]

北京商报讯（记者 李秀梅）11月21日，首都"十四五"规划高质量收官系列主题新闻发布会——金融业 发展成就专场举行。北京金融监管局党委书记、局长朱衍生介绍，5年来，北京金融监管局聚焦普惠健 康保惠民利民原则，推动北京普惠健康保持续扩面提质。 朱衍生表示，下一步，北京金融监管局将全力支持北京地区普惠金融高质量发展，通过科学监管有效推 动商业健康保险规范发展，积极引导保险公司厚植为民情怀，遵循保险规律，以规范经营和诚信服务促 进行业健康发展，不断提升保险消费者的幸福感、获得感和安全感。 一方面，参保人数逐年增加。由2022年度的307万人上升至2025年度的434万人，目前累计参保超过1700 万人次，续保率由2023年度的65%上升至2025年度的80%。另一方面，理赔服务不断优化。本着"让数 据多跑路、群众少跑腿"的宗旨，在多方的共同努力下，推出了快赔服务。对于符合理赔条件的参保 人，由系统主动发送短信通知，参保人无需另外提交相关材料，只需要到"北京普惠健康保"微信公众号 填写领款人账户等相关信息，赔款最快1个至2个工作日即可到账。 朱衍生介绍，2026年度，北京普惠健康保在保障服务方面进一步升级：一是降低免 ...

截至2025年三季度末，辖内银行业总资产38.3万亿元，较"十三五"末增长33.3%；保险业总资产2.3万亿 元，较"十三五"末增长1.1倍。2024年，北京地区保险深度7.12%，高于全国2.9个百分点，保险密度为每 人1.6万元，是全国的4倍，保险深度和密度保持全国第一。 北京地区银行业保险业综合实力不断增强的同时，行业风险总体可控，行业转型步伐加快。五年来，辖 内不良贷款处置额较"十三五"时期增长1.4倍。不良贷款率0.7%，持续处于全国低位。银行资本充足率 16.58%，高于全国1.22个百分点。保险公司综合偿付能力充足率165.7%，高于全国31.3个百分点。辖内 资管机构管理的资管产品增至16.8万亿元，中小金融机构减量提质深入推进，五年来，共有232家保险 专业中介弱体机构退出市场，3家村镇银行实现"村改支"。 五年来，辖内银行业保险业立足北京"四个中心"功能定位，着力做好金融"五篇大文章"，累计增加贷 款、债券投资和保险资金运用超7万亿元，全力支持首都经济回稳向好。 转自：北京日报客户端 11月21日，市政府新闻办举办首都"十四五"规划高质量收官系列主题新闻发布会金融业发展成就专场。 北京金融 ...

Core Insights - The recent launch of the 2026 version of the Huiminbao products emphasizes "upgraded protection" and "comprehensive enhancement," with unchanged premiums but higher coverage and lower claims thresholds [1][2] - Huiminbao, a city-customized commercial health insurance, has evolved over ten years to become a crucial part of China's multi-tiered medical security system, shifting from price competition to value competition [1][3] Product Features - The 2026 version of Huiminbao products focuses on expanding special drug coverage, including CAR-T therapy and rare disease medications, significantly enhancing their appeal to consumers [2][3] - The coverage range is extending to chronic disease management and health management services, with examples like dental services and health assessments included in the Anhui Huiminbao 2026 version [3] - Premiums remain stable while coverage limits are increasing, such as the Beijing Puhui Health Insurance maintaining a premium of 195 yuan per person per year while raising the total coverage to 3.5 million yuan [3] Pricing Strategy - Differentiated pricing is becoming a mainstream trend in new Huiminbao products, allowing for tailored premiums based on age and health status [4][5] - This approach enhances the attractiveness of Huiminbao to healthier populations and supports sustainable development by avoiding the pitfalls of uniform pricing [5][6] Market Dynamics - The transformation of Huiminbao reflects a balance between inclusivity and sustainability, with significant participation rates and increasing renewal rates indicating a positive trend [8] - The long-term positioning of Huiminbao is seen as a middle layer in the multi-tiered insurance system, complementing basic medical insurance and commercial health insurance [8] Future Directions - Future Huiminbao products are expected to evolve towards precision, ecological integration, and technological advancement, relying more on data for product design and enhancing service efficiency [9] - Recommendations for Huiminbao include maintaining its inclusive positioning, continuous innovation in products and services, and leveraging insurance technology to improve actuarial and risk management capabilities [9]

Core Points - The 2026 Beijing Universal Health Insurance has officially opened its enrollment channel, offering new benefits including a 10% discount on medication purchases and an annual subsidy of up to 1800 yuan for insured individuals [1] - The insurance coverage will take effect on January 1, 2026, allowing participants to enjoy a 10% discount on medication purchases, with a maximum subsidy of 400 yuan per transaction and up to 12 uses per year [1] - The program includes over 1000 offline pharmacies in Beijing, such as high-quality chains, and an online platform with more than 8000 types of medications available for purchase [1] - A dedicated online purchasing section for 108 commonly used original research drugs will be available, all of which are prescription medications recommended by doctors [1] Summary by Sections - **Insurance Benefits** - The new insurance product offers a 10% discount on medication purchases and an annual subsidy totaling 1800 yuan [1] - Participants can receive a maximum of 400 yuan per transaction and can use the benefit up to 12 times a year [1] - **Purchase Channels** - Offline: Coverage includes over 1000 pharmacies in Beijing, allowing insured individuals to enjoy discounts at designated stores [1] - Online: A dedicated online platform will provide access to over 8000 medications, with delivery options available within 30 minutes to 1-3 days depending on location [1] - **Specialized Drug Section** - A specific online section for 108 commonly used original research drugs will be established, ensuring that all medications are doctor-recommended prescription drugs [1]

Group 1 - The core viewpoint of the news highlights the successful launch of the "Beijing Universal Health Insurance" project, which gained significant attention from the public, achieving over 2 million participants within just 10 days of its launch in 2026 [1] - Yidu Technology (医渡科技) has been providing comprehensive technical support and operational services for the "Beijing Universal Health Insurance" for five consecutive years, contributing to the development of a multi-tiered medical security system in the capital [1] - The project requires a robust operational platform with capabilities in product design, system platform construction, marketing, customer service, and claims processing, emphasizing the need for strong technological capabilities [1] Group 2 - Yidu Technology utilizes its "Medical Intelligent Brain" YiduCore to create intelligent models and manage risk prediction for large populations, offering a one-stop solution for product design, system construction, platform operation, marketing, customer service, and claims processing [1] - The company has participated in the development and operation of health insurance projects in 5 provinces and 13 cities, including Beijing, Shenzhen, and Hebei [1] Group 3 - Market sentiment reflects confidence in Yidu Technology's growth prospects, as evidenced by significant net purchases from southbound funds, totaling 102.6 million shares on November 11 [2] - As of November 11, southbound funds held a total of 249 million shares of Yidu Technology, with a cumulative market value of 1.376 billion HKD, representing a holding ratio of 23.27% [2]