Core Points - The "Huibao" 2025 version has been launched on the official insurance platform "Suishenban Citizen Cloud" APP, maintaining the price at 129 yuan per person per year while upgrading the coverage to 3.1 million yuan for medical expenses [1][5] - The family coverage scope has been expanded to include not only immediate family members but also siblings, grandparents, grandchildren, and other close relatives [3][7] - The insurance is available for all individuals who are already enrolled in Shanghai's basic medical insurance, with no restrictions on age, occupation, residency, or health status [7][9] Coverage Details - The insurance provides specific coverage for self-paid medical expenses during hospitalization, including self-paid drug costs, examination fees, surgical materials, and treatment fees [9] - The 2025 version includes enhancements such as an increase in the number of covered high-cost domestic drugs to 48 and updates to the overseas special drug coverage [9][10] - The insurance also covers proton and heavy ion therapy with a direct compensation of 300,000 yuan and CAR-T therapy with a coverage of 500,000 yuan [6][9] Enrollment Process - Enrollment can be completed through the "Suishenban Citizen Cloud" APP, allowing users to select insured individuals from a wide range of family members [12][14] - Payment can be made using the individual's medical insurance account, eliminating the need for additional out-of-pocket expenses [7][14] Claims Process - A detailed claims guide is available on the "Suishenban Citizen Cloud" APP, outlining the steps for submitting claims [21][22] - Users can apply for claims related to various responsibilities, including hospitalization and specific high-cost drug expenses [23] Case Studies - Several case studies illustrate the effectiveness of the "Huibao" insurance, showing significant reimbursements for individuals with pre-existing conditions and those who have been continuously insured [24][25][27]

Core Viewpoint - The 2025 version of "Hu Hui Bao" has been launched in Shanghai, providing an upgraded commercial supplementary health insurance option for residents, reflecting the growing demand for health security and advancements in medical technology [1][3]. Group 1: Product Features - "Hu Hui Bao" has been well-received since its launch in 2021 due to its comprehensive coverage and low entry barriers, with the 2025 version further enhancing these features to offer better medical protection [3]. - The insurance maintains a low premium of 129 yuan per person per year while expanding coverage for specific domestic and overseas medications, including an increase in the number of covered CAR-T therapy drugs from 3 to 4 [6][9]. Group 2: Coverage and Benefits - The insurance covers a range of medical expenses, including specific high-cost medications and treatments, with coverage limits set at 1 million yuan for certain categories and 30 million yuan for others [7]. - Policyholders can enjoy discounts on medications purchased at well-known pharmacy chains, online consultations with top-tier specialists, and discounted prices on imported original drugs for specific diseases [7][9]. Group 3: Claims and Participation - Since its inception, "Hu Hui Bao" has seen over 26 million participants and has paid out more than 2.2 billion yuan in claims, with a significant number of cases settled [9]. - The insurance is accessible through the "Sui Shen Ban Citizen Cloud" app, streamlining the process from enrollment to claims, thus lowering barriers for Shanghai residents [11].