China News Service, Beijing, August 9th (Reporter Du Yan) Since the launch of the "Beijing Inclusive Health Insurance" on July 26, due to the insured age, no household registration, no occupation, no previous medical history, and The reimbursement of high medical expenses inside and outside the medical insurance catalog, 100 kinds of special medicines at home and abroad, and insurable and compensable pre-existing diseases have made it quickly popular and "out of the circle".

As of 8 o'clock on August 9, the number of people participating in the "Beijing Inclusive Health Insurance" has exceeded 1 million.

"Post-70s" and "post-80s" have become the main force for insurance, and over sixty people have become insured for their families

　　Under the guidance of Beijing Municipal Medical Security Bureau and Beijing Local Financial Supervision and Administration Bureau, "Beijing Inclusive Health Insurance" is an inclusive commercial health insurance that can cover more than 2000 Ten thousand Beijing Basic Medical Insurance insured persons.

　　According to official data, among the current 1 million insured persons, the proportion of urban employees is as high as 78.37%, and the proportion of urban and rural residents is 20.57%. The demand for medical protection of migrant workers and employees is even stronger.

　　In terms of the age of participating in the insurance, the "post-70s" and "post-80s" have become the main force participating in the insurance, accounting for 42.7%.

The data also shows that the maximum age of the insured person is more than 100 years old. There are 22,209 people over 80 years old, including 6 centenarians. The oldest participant is a 102-year-old grandmother; there are 3165 babies under one year old. , The youngest is a 42-day-old baby boy.

In addition, 75 people from Hong Kong, Macau, Taiwan and foreigners have also taken out the "Beijing Inclusive Health Insurance".

　　It is worth mentioning that in the "Beijing Inclusive Health Insurance" insured population, more than 60% of users insure their families.

The phenomenon of multi-person participation in the family as a unit is prominent, reflecting the outstanding awareness of family security among Beijing residents.

　　In terms of gender ratio, male insured persons accounted for 47.17% and female insured persons accounted for 52.83%.

Spend a meal to insure the whole family to solve the risk of serious illness

　　"195 yuan for one year, up to 3 million yuan", "trustworthy government guidance", "100 kinds of special medicines at home and abroad"... Recently, Ms. Suo, a citizen who saw the contents of the "Beijing Inclusive Health Insurance", participated in the insurance for herself and her family NS.

　　She said that the whole family has Beijing medical insurance and medical treatment has certain protection, but the children are still young and the elderly also need support. She and her husband are a little worried about the risks in the future, for fear that a serious illness will seriously affect family life, so they need a share. Reliable insurance products to solve worries.

Ms. Suo has paid attention to many commercial insurance products on the market. She feels that the products are quite different and the scope of protection is limited. She wanted to give the whole family an insurance but could not find a more suitable one.

"I found that the'Beijing Inclusive Health Insurance' is quite comprehensive. The elderly and children can buy it. There are no restrictions on health conditions. They are all insurable and indemnable products. They are inclusive products under the guidance of the government. I gave them to the whole family without hesitation. I bought them all." Ms. Suo said that the family insured is only the amount of money for the usual meal, and it is very worthwhile to use this money to buy insurance for the whole family against the risk of serious illness.

　　Some experts said that the "Beijing Inclusive Health Insurance" has received attention. First, the Beijing Municipal Medical Security Bureau and the Beijing Local Financial Supervision Administration have jointly guided, and the China Banking and Insurance Regulatory Commission Beijing Supervision Bureau supervises, and the guarantee plan is combined with Beijing. The geographical characteristics are in line with the actual medical protection needs of Beijing medical insurance participants; the second is the establishment of the "co-insurance" model. Five insurance companies establish a risk-sharing mechanism, which provides a strong guarantee for the stable operation of the product and effectively guarantees it The rights and interests of the insured; the third is its comprehensive protection, covering high personal out-of-pocket medical expenses in the medical insurance catalog, self-paid hospitalization expenses outside the medical insurance catalog, and 100 high-priced specific drug costs, as well as 25 health value-added services.

Healthy people can enjoy a high percentage of compensation if they apply for insurance as early as possible

　　"This year's premium is 195 yuan. Will the price increase next year?" "Parents have hypertension and diabetes, can they participate in the insurance?" In response to the topic of enrollment that Beijing residents are concerned about recently, the Director of the Treatment Protection Division of the Beijing Municipal Medical Security Bureau Yang Jing is a guest at Beijing City Broadcasting to answer user questions.

　　Yang Jing said that the protection goal of "Beijing Inclusive Health Insurance" is mainly to solve the family expenditure risk caused by high medical expenses.

The basic medical expenses burden of the insured person is solved by the social insurance system. The "Beijing Inclusive Health Insurance" is based on the basic medical insurance to solve the higher medical expenses of the insured person, especially for the self-paid part, which is aimed at all participants. The risk protection of the insurance group.

　　The "Beijing Inclusive Health Insurance" stipulates that people with pre-existing diseases, such as hepatitis B, thyroid nodules and other common diseases, can be compensated in proportion to the healthy population.

People with 5 types of specific pre-existing diseases, including malignant tumors, liver and kidney diseases, cardiovascular and cerebrovascular diseases, and pulmonary diseases, can also be insured, and they can also be paid according to a certain proportion.

　　It is understood that the determination of the insured’s compensation standard is based on the health status of the insured for the first time. If the insured has no specific pre-existing disease before the first insured takes effect, and a specific disease occurs during the continuous insuring process, it will still be available according to the standard for healthy people. High percentage payout.

　　Participants of Beijing Medical Insurance can apply for insurance online through the official designated insurance platform "Beijing Puhui Health Insurance" WeChat official account, or through Alipay, Tencent Weibao, JD and PICC, China Life, Taikang Insurance, China Pacific Insurance, Ping An Five insurance companies insured through channels.

　　Yang Jing said that the Beijing Municipal Medical Insurance Bureau provides support for policy convergence and cost actuarial calculations, and hopes that through the exploration of the inclusive commercial health insurance system, the common people can use lower insurance premiums to increase the risk of personal and family medical expenses. Assure.

According to the actuarial situation, the current premium price will have a certain degree of stability over a period of time.

At the same time, in accordance with the principle of inclusiveness and benefiting the people, commercial insurance companies are required to dynamically adjust the level of protection benefits according to the operating conditions of the products, so that the people can enjoy the greatest benefits.

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