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The enrollment of "Hui Min Bao 2024" has entered the final sprint stage, and the deadline of August 31 is approaching! As a medical insurance customized for Fujian Province, "Hui Min Bao" has provided solid health protection for millions of people since its launch, and has become a strong support for thousands of Fujian families in difficult situations. Today, "Hui Min Bao 2024" has been comprehensively upgraded on the basis of the advantages of the previous version, providing more abundant protection plans and health management services. As the enrollment channel is about to close, let us review the warm protection of "Hui Min Bao" and quickly participate in the insurance to add another peace of mind for the health of yourself and your family!

As a customized commercial medical insurance specially designed for Fujian Province, "Hui Min Bao" has provided services to 5.57 million people since its launch in July 2022, and has paid nearly 370 million yuan in claims.This insurance product is trusted and supported by millions of Fujian people and has become a strong support for tens of thousands of Fujian families in difficult situations.

Since its official launch on July 5, 2022, more than 5.57 million people have been insured in two years, and a total of nearly 370 million yuan in claims have been paid. Among those who have received compensation, the oldest is 97 years old and the youngest is less than 1 year old; the highest single person compensation amount is 1.2547 million yuan, and the largest single compensation amount is 1.0114 million yuan; the cumulative exposure times in two years are 110 million times, an average of 3.3 times per person, which fully reflects the high degree of connection between "Hui Min Bao" and basic medical insurance, highlights the characteristics of insurance for major diseases, serious diseases, and outside the catalogue, and plays the role of a social "stabilizer". While enhancing people's awareness of security and the sense of gain of insured people, it also promotes the development of inclusive finance.

"'Hui Min Bao 2024'" has been upgraded on the basis of summarizing previous experience. First, it provides two product solutions, the general version is 129 yuan/person/year (of which, the newborn preferential treatment is 99 yuan/person/year), and the upgraded version is 179 yuan/person/year, providing personalized choices to meet the different needs of six major groups: young people, families, the elderly, young children, disadvantaged groups, and new citizens; second, it expands the applicable population of new citizens to solve the demand for "different insurance in the same city", and realizes "same insurance in the same city" and unification across the province; third, it reduces the deductible for healthy people, increases the no-claim preferential treatment for healthy people, and encourages healthy people to actively participate in and renew insurance; fourth, it greatly increases the reimbursement ratio of "hospitalization medical liability outside the medical insurance catalogue", increases the types and insured amounts of domestic special medicines outside the catalogue, and increases the overseas special medicine protection responsibility, highlighting the characteristics of "insurance for major diseases, serious diseases, and outside the catalogue"; fifth, it increases health management service items to enhance the sense of gain of insured persons.

Benefiting the people and building a solid health barrier

"Hui Min Bao 2024" has been "upgraded" and dual versions have been released! While continuing the product advantages such as "wide coverage of the insured population", "full internal and external medical insurance protection", and "medical insurance individual account for the whole family", we think about the needs of the people and continuously polish and upgrade the products.

(I) Choose from two versions to ensure a more comprehensive upgrade

In order to meet the needs of multi-level protection, "Hui Min Bao 2024" provides two product solutions. The inclusive version is 129 yuan/person/year, with a protection of 4.5 million yuan (newborns born on or after September 1, 2023 will be covered by the inclusive version, with a premium of 99 yuan/person/year); the upgraded version is 179 yuan/person/year, with a protection of 5.5 million yuan.

(II) Further expansion of high-priced specialty drugs, benefiting tens of millions of patients

The upgraded version of "Hui Min Bao 2024" expands the types of domestic oncology drugs from 30 to 38, the types of drugs for rare diseases increase to 12, and 30 new overseas specific drugs are added.

(III) Renewal benefits are more beneficial to the people, and the affordable upgrades warm the hearts of the people

"Hui Min Bao 2024" reduces the deductible for all healthy insured persons. The deductible for inpatient medical liability (including outpatient chronic and special disease liability) within the medical insurance catalogue and inpatient medical liability outside the medical insurance catalogue is reduced to 18,000 yuan in the upgraded version, and 19,000 yuan in the universal version;

At the same time, for healthy insured persons who had no claims in the previous policy year, on the basis of reducing the healthy deductible, the deductible for inpatient medical liability within the medical insurance catalogue (including outpatient chronic and special disease liability) and inpatient medical liability outside the medical insurance catalogue will be further reduced. The upgraded version is reduced to 17,000 yuan; the universal version is reduced to 18,000 yuan.

(IV) The whole family can enjoy the benefits of a single medical insurance account, providing family protection

Participants in the basic medical insurance for urban employees in Fujian Province (excluding Xiamen) do not need to spend additional cash. They can also use their personal medical insurance accounts and family mutual payment accounts to purchase "Hui Min Bao 2024" for themselves, their spouse, parents, children and other 8 immediate family members.

(V) Enjoy health management services for the whole family, easily saving insurance premiums

The number of health management services of "Hui Min Bao 2024" has increased to 25, including online drug purchase discounts, outpatient appointments, medical accompaniment, dental benefits, ophthalmology benefits, health benefits and other value-added services. During the insurance coverage period, the insured can use the above value-added services free of charge, and meet the health management needs throughout the year while obtaining comprehensive medical protection.

(VI) Claims services are more convenient, and life is less burdensome and more secure

The general medical liability of "Hui Min Bao 2024" (special outpatient diseases, outpatient chronic diseases, self-paid hospitalization within the medical insurance catalogue, and self-paid hospitalization outside the medical insurance catalogue) is interoperable with the basic medical insurance settlement data of Fujian Province, and "Hui Min Bao 2024" has specially opened a convenient "quick compensation" service.

If the insured person's medical expenses within the scope of liability of "Hui Min Bao 2024" exceed the deductible, he/she will receive a claim reminder notification. For claim applications that meet the quick settlement conditions, there is no need to submit medical records, which enables quick claims settlement. This greatly facilitates the insured persons, especially families with elderly and children.

"Hui" gathers a beam of light, shining love all over Fujian

"Hui Min Bao 2024" inherits the advantages of "Hui Min Bao 2023" and further enhances the protection strength, and expands the health management services to 25 items, fully covering the diversified needs of insured persons such as health management, medical assistance, and drug purchase discounts. This measure is not only closely connected with the basic medical insurance policy, but also aims to provide insured persons with more thoughtful health management services.

At present, the enrollment channel of "Hui Min Bao 2024" has been officially opened. Basic medical insurance participants in Fujian Province (except Xiamen) and "new citizens" can participate in insurance and pay premiums through convenient channels such as the official social media account of "Hui Min Bao" and Minzhengtong.

Time waits for no one. The enrollment channel of "Hui Min Bao 2024" will be closed on time on August 31. Now is the best time to make a decision. Follow the "Hui Min Bao" WeChat public account, or search "Hui Min Bao" on Alipay to enroll immediately! Choosing "Hui Min Bao 2024" is not only responsible for the health of yourself and your family, but also a peace of mind and guarantee for the future. Don't let hesitation become a regret, come and enroll quickly, let "Hui Min Bao" continue to escort the health of you and your family, and welcome a better tomorrow together!

Source: Xinhua News Agency

(Source: Financial Information)

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