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]