China News Service, Beijing, July 26 (Reporter Du Yan) It 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. The "Beijing Inclusive Health Insurance", designed and developed by five insurance companies, Taikang Insurance, China Pacific Insurance, and Ping An, and exclusively for Beijing medical insurance participants, was officially released today.
It is reported that the annual premium per person is 195 yuan, and the maximum insured amount is 3 million yuan.
Medical security is an important part of the people's livelihood security system. It is a major institutional arrangement for reducing the burden of medical treatment and improving people's livelihood and welfare. It is related to the real interests of the general public.
In March 2020, the Central Committee of the Communist Party of China and the State Council issued the "Opinions on Deepening the Reform of the Medical Security System", which put forward the requirements for "speeding up the development of commercial health insurance" and promoting the development of a multi-level medical security system.
In order to promote the development of Beijing’s multi-level medical security system, effectively alleviate the burden of high medical expenses for the public, and provide supplementary protection for basic medical insurance, the Beijing Municipal Medical Insurance Bureau, together with the Municipal Finance Bureau and the Beijing Banking and Insurance Regulatory Bureau, actively support commercial insurance companies to develop compliance insurance. Inclusive commercial health insurance that meets the needs of the masses and is linked to Beijing's basic medical insurance system.
"Beijing Inclusive Health Insurance" is an inclusive commercial health insurance that closely connects with Beijing's basic medical insurance. It aims to reduce the burden of the people's high medical expenses and meet the people's multi-level and diversified medical insurance needs.
The reporter learned that the "Beijing Inclusive Health Insurance" is closely integrated with Beijing's basic medical insurance in terms of the protection objects and coverage, and it has four main characteristics:
One is full coverage of insured persons, exclusive to Beijing medical insurance insured persons.
Regardless of age, household registration, occupation, or health status, all insured persons who are insured by the Beijing Basic Medical Insurance can participate in the insurance, which truly benefits all Beijing medical insurance participants.
The second is that the coverage is more comprehensive, and it can be insured at one's own expense.
It not only guarantees the outpatient and inpatient self-payments in the basic medical insurance catalog, but also guarantees the out-of-patient hospitalization expenses outside the basic medical insurance catalog and the medication costs of special drugs at home and abroad.
The third is that people with pre-existing diseases can be insured and compensated.
Participants with 5 types of specific pre-existing diseases with malignant tumors, liver and kidney diseases, cardiovascular and cerebrovascular diseases, lung diseases, and immune system diseases form differentiated protections with healthy people, realizing "insurable and claimable".
The fourth is to innovate to solve special medication protection.
Hundreds of special medicines at home and abroad are included in the coverage, including 25 special medicines outside the domestic medical insurance catalogue and 75 imported special medicines. Patients can use global innovative medicines simultaneously without going abroad to Boao City, Hainan.
From July 26, 2021, all insured persons in Beijing’s basic medical insurance status (including urban employees’ basic medical insurance, urban and rural residents’ basic medical insurance, etc.) can follow the “Beijing General Medical Insurance” WeChat public account of Hui Health Insurance can participate in the insurance online, and the date of participation is September 30, 2021.
The coverage period is from January 1st to December 31st, 2022.
In addition, the "Beijing Inclusive Health Insurance" also provides free five-time follow-up or home care services for the insured after discharge from the hospital.