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On April 27, 2021, the city customized commercial supplementary medical insurance under the guidance of the Shanghai Municipal Medical Security Bureau, the supervision of the Shanghai Banking and Insurance Regulatory Bureau, the technical support of the Shanghai Big Data Center, the coordination of the Shanghai Insurance Association, and the joint underwriting of 9 insurance companies "Huhuibao" was officially launched and became an important component of Shanghai's multi-level medical security system.
Since 2020, with the introduction of "Huiminbao" commercial medical insurance in various places, the low price of a few cups of coffee in exchange for millions of medical insurance has become a hot topic among the people, and it has become a "net celebrity hot money" in some areas.
, Setting off a buying boom.
At present, this kind of inclusive commercial medical insurance is developing rapidly with a prairie fire.
According to the author's statistics, as of the end of January 2021, there have been 115 inclusive commercial insurance types implemented in 23 provinces and 97 cities across the country.
What is inclusive commercial medical insurance?
At present, the common people in the insurance market in our country are commonly called "Huiminbao" commercial medical insurance products, but there is no uniform name in the official policy documents.
Inclusive commercial medical insurance is a new type of insurance product, which is different from the previous commercial medical insurance, showing distinct "inclusive" characteristics: First, the premium is low and there is no risk premium.
Accelerating the development of inclusive commercial medical insurance is conducive to complementarity with basic medical insurance, forming a synergy, consolidating a multi-level medical security system, and meeting the diverse health security needs of the people.
What does "Huhuibao" guarantee?
"Huhuibao" is tailor-made for Shanghai based on the medical and living standards of Shanghai, closely linked with social medical insurance, and provides million-level insurance protection and convenient health services for the city's basic medical insurance participants at inclusive prices.
01
Specific hospital self-financed medical expenses protection.
02
Protection of specific high drug costs.
03
Proton and heavy ion treatment cost guarantee.
What are the highlights of the "Huhuibao" protection plan?
Compared with the inclusive commercial insurance programs that have been launched in other parts of the country, the "Huhuibao" insurance program presents five highlights:
01
Participation in the insurance is unconditional, and pre-existing conditions can be compensated, which reflects the characteristics of inclusiveness.
02
The premium is affordable.
03
The focus is on protecting self-funded expenses outside the scope of medical insurance payment, which is complementary to basic medical insurance.
04
Formulate a catalog of special drugs to protect the medication needs of patients with serious illnesses.
05
Pay attention to risk management and control in plan design.
