By the Zhenjiang Municipal Bureau of Medical Protection lead guidance, China Life Insurance Company Limited Zhenjiang Branch, the chief underwriter, PICC Property and Casualty Insurance, PICC Property and Casualty Insurance, Guoshou Property and Casualty Insurance, Zijin Property and Casualty Insurance, People's Insurance Company Health, Ping An Pension and other six large-scale commercial insurance institutions *** with the same underwriter, the launch of the first universal commercial supplemental medical insurance -- "Zhenjiang Beneficial People's Health Insurance -Zhenjiang Huimin Insurance". This is a "city-customized" insurance product designed on the basis of an in-depth study of "Huimin Insurance" products in other cities across the country, combined with Zhenjiang's medical insurance policy, and through an analysis of medical needs and protection gaps, as well as a comparison of market research and actuarial data. The product.
The Zhenjiang Beneficiary Insurance is divided into two products, the basic version and the upgraded version, both of which have a one-year coverage period: the basic version has a one-year premium of 99 RMB and a coverage of 2.1 million yuan; the upgraded version has a one-year premium of 299 RMB and a coverage of 4 million yuan. Both products cover individual out-of-pocket expenses within the medical insurance catalog, individual out-of-pocket expenses outside the medical insurance catalog, as well as specific high-cost medicines and high-cost out-of-pocket medicines for rare diseases. The upgraded version of the product also provides additional coverage for inpatient medical expenses at Proton Heavy Ion Hospital and compensation for severe malignant tumors.
"Zhenjiang Huimin Insurance" will be available until December 31 this year, and will no longer be accepted for the 2022 insurance period after the end of the insurance period. Coverage is valid for one year, from January 1, 2022 at 0:00, to December 31, 2022 at 24:00.
Zhenjiang Huimin Insurance is closely linked to the basic medical insurance, with a low participation threshold, no need for medical examination and no waiting period. As long as the insured person in Zhenjiang City is participating in the basic medical insurance for employees and urban and rural residents and is in the status of insured, he/she can voluntarily enroll in the insurance regardless of his/her household registration, age, occupation, and history of illness and health condition.
Employee basic medical insurance participants can use their account balances from Nov. 1 to Dec. 31, 2021, to purchase Zhenjiang Huimin Insurance products for themselves or their immediate family members, with the maximum number of people insured being six.
"Zhenjiang Huimin Insurance" insurance period, the public can through the "Zhenjiang Huimin Insurance", "Zhenjiang medical insurance", "Danyang City Medical Security Bureau", "Jurong Medical Insurance", "Yangzhong Medical Insurance" WeChat public number, Alipay search "Zhenjiang Huimin insurance", scanning "Zhenjiang Huimin Insurance" related publicity materials QR code for processing, but also in the *** insurance body 7 insurance company service personnel to assist online insurance. Participants who do not have a personal account from previous years of medical insurance can also purchase through WeChat or Alipay through the above channels. The enterprise group units can also insure their employees collectively.