The "Beijing Pratt & Whitney Health Insurance" released on July 26 has recently been screened in the circle of friends
According to public information, the product is under the joint guidance of the Beijing Municipal Medical Security Bureau and Beijing Local Financial Supervision and Administration Bureau, and is supervised by the Beijing Supervision Bureau of the China Banking and Insurance Regulatory Commission.
It covers 100 kinds of high-priced specialty drugs at home and abroad.
Or it will effectively alleviate the burden of the people's high medical expenses, provide supplementary protection for basic medical insurance, and at the same time be a diversified and innovative payment method for pharmaceutical companies
"Beijing Inclusive Health Insurance" includes four main selling points, of which one that is closely related to the pharmaceutical industry covers a hundred kinds of high-priced domestic and foreign special medicines: including 25 domestic special medicines and 75 overseas special medicines
Related news mentioned that 25 kinds of domestic special medicines have an insured amount of 500,000 yuan per year, and 75 foreign special drugs have an insured amount of 500,000 yuan per year.
The total insured amount is 1 million yuan per year.
The annual deductible for healthy people is 20,000 yuan, the payout ratio is 60%, the annual deductible for the specific pre-existing people is 40,000 yuan, and the payout ratio is 30%
Among the 75 foreign special drugs, the corresponding indications have not been approved by the State Food and Drug Administration
However, the insurance mentioned that patients can use global innovative drugs simultaneously without going abroad or going to Hainan Boao Lecheng