This newspaper (reporter? Where's ginger? Correspondent? Zhu Tingting)? Yesterday, the third phase of the government-directed inclusive commercial supplementary medical insurance "Nanjing Ninghuibao" was officially released. Different from ordinary commercial health insurance, Nanjing Ninghuibao is connected with basic medical insurance, regardless of age, occupation, past illness or disease.
This year, the third phase of Nanjing Ninghuibao was listed as one of the livelihood projects of Nanjing Medical Insurance in 2022 16. In order to run this livelihood project well, the third-phase products have made more breakthroughs.
Zhou Jianping, director of the treatment department of Nanjing Medical Insurance Bureau, introduced that the third phase of Nanjing Ninghuibao aims to accurately solve the high medical expenses caused by hospitalization, outpatient serious illness and out-of-scope medical expenses. Compared with the second phase products, the third phase of Nanjing Ninghuibao has expanded the number of people and improved the treatment.
The range of people participating in the third phase will be expanded. On the basis of participating in the basic medical insurance in Nanjing, the immediate family members who participated in the basic medical insurance in Jiangsu Province, as well as "new citizens" who have worked and lived in Nanjing for one year, and medical personnel at public expense (including special care) have been expanded. ?
Security will increase again. For healthy people who participated in the first and second phases of "Nanjing Ninghuibao" but didn't get compensation, in the responsibility section of 18000-20000 yuan, the proportion of reimbursement in the third phase will be increased by 20%. If medical aid workers in Nanjing are insured, the deductible will be reduced to 6.5438+0 million yuan, and the reimbursement ratio of each expense segment will be increased by 5%. ?
Added product upgrade protection version. In addition to the basic protection version of 99 yuan, the upgraded version of 150 yuan has been added. The basic version of 99 yuan can enjoy a guarantee of 6,543.8+0.50 million yuan, and the upgraded version of 654.38+0.50 yuan can enjoy a maximum guarantee of 3.5 million yuan. The upgraded version focuses on reducing the burden of self-funded medical care outside the scope of medical insurance, adding 28 kinds of domestic special drugs for special diseases and proton heavy ion therapy, filling the guarantee gap of purchasing expensive self-funded drugs outside pharmacies because there is no medicine in hospitals. These two new guarantees are zero deductibles. ?
The scope of personal account payment of medical insurance has been further expanded. The balance of the personal account of the insured who participated in the medical insurance for employees in Nanjing can be used to purchase the third phase of "Nanjing Ninghuibao" for himself, his spouse, parents and children who participated in the basic medical insurance in Jiangsu Province.