Core Points - The article emphasizes the urgency for Shanghai residents covered by basic medical insurance to enroll in the 2025 version of "Huibao" and "Specific Disease Insurance" before the application window closes on July 31, 2025 [2][22] - The combined insurance offers comprehensive health coverage, including a total of 3.1 million yuan in medical protection and a maximum of 200,000 yuan in specific disease allowances for high-incidence cancers [5][8] Summary by Category Insurance Details - The 2025 version of "Huibao" costs 129 yuan per person per year, while the "Huibao-Specific Disease Insurance" costs 50 yuan per person per year, making the average daily cost less than 0.5 yuan [3] - The insurance period is from July 1, 2025, to June 30, 2026 [3][19] - There is no age, occupation, residency, or health status restriction for enrollment, and pre-existing conditions are covered [3] Coverage Benefits - The "Huibao" provides coverage for inpatient self-paid expenses, domestic and overseas special drugs, proton and heavy ion therapy, and CAR-T therapy, with a maximum reimbursement of up to 1 million yuan [5] - The "Huibao-Specific Disease Insurance" focuses on 11 high-incidence cancers, providing immediate compensation upon diagnosis, thus complementing the medical expense reimbursement [8] - The insurance includes direct payment for proton therapy and special drug costs, eliminating the need for patients to pay upfront [8] Enrollment Process - Enrollment can be completed through the "Suishenban Citizen Cloud" app, with a two-step process for obtaining both insurances [17] - A discount of 25 yuan on the premium is available for those who use the Bank of Communications digital RMB wallet for payment [12] Real-Life Impact - Case studies illustrate the effectiveness of the insurance, showing significant reimbursements for high medical expenses incurred by policyholders suffering from severe health conditions [14]

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].