齐鲁晚报·齐鲁壹点 连宁燕 通讯员 宫小栋 自2019年组建以来，威海市医保局深入贯彻落实党中央决策部署，立足群众"看病难、看病贵"的急难愁 盼，构建起多层次、全方位、高效率的医疗保障体系，每年为困难群众减轻医疗负担超2亿元，用实实 在在的成效践行着以人民为中心的发展思想。 筑牢主体保障防线，政策红利精准落地。威海市将"三重制度"综合保障作为核心支撑，严格落实分类资 助参保政策，确保农村低收入人口、脱贫人口等困难群体应保尽保。在待遇保障上，坚持基本医保公平 普惠底色，对困难群体实施大病保险起付线降低、报销比例提高等倾斜政策，强化医疗救助托底功能， 统筹提高年度救助限额，让保障力度与群众需求精准对接，彰显了制度的普惠性与兜底性。 "尽管'三重制度'发挥了主体保障作用，但部分困难群众仍面临个人负担较重的问题。为此，我们创新 推出了定制型商业医疗保险'威你保'，构建"政府引导、市场运作、慈善助力"的多元模式，与基本医保 制度形成衔接互补。"威海市医保局工作人员介绍，"'威你保'产品设计特别向困难群体倾斜，对医疗救 助对象实行住院免赔额减半的优惠政策，针对无力购买的特殊困难群体，我们联合民政部门，使用慈善 基金为全市 ...

Core Insights - The "Weini Bao 2025" is a customized commercial health insurance product launched by Weihai City to enhance the multi-tiered medical security system and reduce the medical burden on citizens [1][2] Group 1: Product Overview - "Weini Bao" was first introduced in September 2021, providing additional coverage for medical expenses not fully reimbursed by basic health insurance, including out-of-pocket costs for non-covered items [1] - The product has undergone four iterations, with a total of 1.58 million policies sold, alleviating over 110 million yuan in medical expenses for the insured [1] - The new version continues to be government-led, with no restrictions based on age, health status, or pre-existing conditions, emphasizing a non-profit approach [2][3] Group 2: Coverage and Benefits - The premium rates remain unchanged, with specific annual costs set at 39 yuan for individuals aged 22 and under, 89 yuan for those aged 22 to 60, 139 yuan for those aged 60 and above, and 150 yuan for individuals with pre-existing conditions [3] - Coverage includes hospitalization costs after basic insurance reimbursement, outpatient drug expenses, and special drug costs, with a focus on severe illnesses [3] - The product promotes a dual protection model, offering health services such as online consultations and discounts on medications, regardless of whether medical expenses are incurred [3] Group 3: Service Enhancements - The 2025 version introduces improved benefits for long-term policyholders, increasing the payout ratio by 2% for those insured for five years or more and adding "no co-payment care services" for hospitalization [4] - New value-added services include discounts on medications, eye examinations, free children's photography, and health check discounts, available to all policyholders [4] - A charity fund has been established to support low-income groups, continuing the policy of halving the deductible for medical assistance recipients [4] Group 4: Accessibility and Claims Process - The insurance product has expanded its application channels, allowing online purchases via WeChat and in-person applications through insurance company representatives [5] - The claims process has been optimized for efficiency, enabling "one-stop" settlement for claims within Weihai, and automatic claims processing for out-of-area medical services [6] - The Weihai Medical Insurance Bureau will continue to enhance guidance on "Weini Bao," aiming to reduce the medical burden on citizens and improve their sense of security and happiness [6]