Whether you're a courier driver, an online car driver, or a grandparent with grandchildren in Beijing, as long as you have a Beijing Residence Permit and are covered by a different medical insurance policy, you can enroll in the 2023 Beijing Universal Healthcare Plan.
3. How can individuals enroll in the Beijing Universal Health Insurance? Beijing citizens can pay attention to the official designated enrollment platform "Beijing Universal Health Insurance" WeChat public number, in the public number home page, click on the bottom menu bar enrollment entrance, according to the prompts to fill in the relevant information, you can online fast enrollment. You can also search for "Beijing Universal Health Insurance" on Alipay and enroll online, or through the professional staff of 6 insurance companies. The enrollment ends on December 31, 2022, and the coverage period is from January 1, 2023 to December 31, 2023, which is the same as that of Beijing Universal Health Insurance. 4. Can I use the balance of my health insurance account to pay for the premium of Beijing Universal Health Insurance? Yes! Beijing employee health insurance participants can use the balance of the health insurance account for their own insurance; December 1, in the health insurance account to complete the **** relief objects for the record (can be in the health insurance public **** service platform or the district health insurance agency for), you can use the balance of the health insurance account for the enjoyment of the Beijing basic health insurance treatment of spouses, parents and children to pay, a person can be the whole family to participate in the insurance premiums. 5. Last year, I enrolled in Beijing Universal Health Insurance as a healthy person, and I was diagnosed with a specific pre-existing condition during the period of coverage, so can I renew my insurance this year and still enjoy the benefits of a healthy person? Yes!Yes, you can! If you are insured with a healthy body in the first year, even if you suffer from a specific preexisting condition during the insurance period, you can still receive benefits according to the standard of treatment for the healthy people after the renewal of the insurance in 2023; this year, the standard of specific preexisting condition has been adjusted, and diabetic people with no complications are no longer recognized as a specific preexisting condition, and can be paid according to the proportion of the healthy people, and the standards of the healthy people/specific preexisting conditions can be obtained through the " The first thing you need to do is to get a good deal of money from the company.
6. Last year's "Beijing Universal Health Insurance" coverage has not yet expired, do I still need to enroll this year? For those who enrolled in BPHI last year, the coverage will expire on December 31, 2022, and those who enrolled in BPHI in 2023 will be able to enjoy the coverage from January 1, 2023 to December 31, 2023, thus achieving seamless coverage. If you miss this centralized enrollment time, you will not be able to make up for the missed enrollment time. 7. What is the coverage of "Beijing Universal Health Insurance"? First, the out-of-pocket responsibility of medical insurance (outpatient and inpatient out-of-pocket medical expenses within the basic medical insurance directory):1 The insured amount is 1 million/year.2 The deductible is the same as the amount of the starting standard of the Beijing Basic Medical Disease Insurance for the year during the period of coverage.3 The percentage of out-of-pocket medical expenses above the starting standard of the Basic Medical Insurance and the Major Disease Insurance is 80% for the healthy people, and 40% for the people with specific pre-existing conditions. Second, the medical insurance is not only for the healthy people but also for the people with specific pre-existing conditions, so it's not necessary to have a medical insurance policy. The second is the responsibility of out-of-pocket expenses for hospitalization outside of health insurance:1 the coverage amount is 1 million yuan/year.2 the deductible is 15,000 yuan (20,000 yuan deductible for people with specific pre-existing conditions).3 the benefit ratio is 70% for healthy people and 35% for people with specific pre-existing conditions. The annual reimbursement limit for a single drug is 300,000 yuan; for a single implant or consumable, the annual reimbursement limit is 100,000 yuan. Third, the responsibility of special drugs (domestic special drugs in the medical insurance designated medical institutions outpatient or pharmacy purchase of specific drugs; foreign special drugs in Hainan Boao Lecheng designated medical institutions and prescribed specific drugs):1 domestic special drugs coverage for 500,000 yuan / year, foreign special drugs coverage for 500,000 yuan / year, the total amount of coverage of 1 million yuan / year.2 Deductibles for $ 0.3 The proportion of benefits for the healthy population 60%, the specific pre-existing condition population 30%. The deductible is 0 yuan.3 The benefit ratio is 60% for healthy people and 30% for people with specific pre-existing conditions.Beijing Medical Security Bureau and other related government departments manage specific groups of people, new citizens of Beijing who have participated in the basic medical insurance of other places and hold a Beijing residence permit or have a Beijing household registration, and the responsibility of the medical insurance of "Beijing Universal Health Insurance" is only to protect the hospitalization, and the other protection treatment is the same.
8. What diseases are included in the specific pre-existing conditions? In 2023, the scope of specific preexisting conditions agreed in the "Beijing Universal Health Insurance" was adjusted, and the diabetic population without complications is no longer recognized as a specific preexisting condition, and can be paid according to the proportion of healthy people. In 2023, the specific preexisting conditions agreed in Beijing Universal Health Insurance include: (1) malignant tumors (including leukemia, lymphoma, and carcinoma in situ); (2) liver and kidney diseases: 1 renal insufficiency: chronic renal insufficiency, chronic renal failure; 2 hepatic insufficiency: chronic hepatic insufficiency, cirrhosis, chronic hepatic failure; 2 hepatic insufficiency: chronic hepatic insufficiency, cirrhosis, chronic hepatic failure; 2 hepatic insufficiency: chronic hepatic insufficiency, cirrhosis, chronic hepatic failure; 2 hepatic insufficiency: chronic liver insufficiency, cirrhosis, chronic hepatic failure. Failure of the liver. (3) Cardiovascular, cerebrovascular and glycolipid metabolism diseases: 1 Heart diseases: coronary heart disease, myocardial infarction, heart rupture, heart stroke, chronic heart insufficiency, chronic heart failure. 2 Cerebrovascular diseases: cerebral embolism, cerebral infarction, cerebral hemorrhage, stroke. 3 Hypertension: hypertension class III. 4 Diabetes mellitus: diabetes mellitus with complications. 5 Diabetes mellitus: diabetes mellitus with complications. 6 Diabetes mellitus: diabetes mellitus with complications. 7 Diabetes mellitus with complications. (4)Lung disease:1 chronic obstructive pulmonary disease 2 chronic respiratory failure. (5)Other diseases:1 systemic lupus erythematosus;2 aplastic anemia;3 ulcerative colitis.Beijing Universal Health Insurance
is not limited to health status, and specific pre-existing conditions can be insured and compensated for. In addition to the above specific pre-existing conditions, people suffering from breast nodules, uterine fibroids, thyroid nodules and other diseases can be compensated for according to the proportion of healthy people, which will benefit a wider range of people, so pay attention to the Beijing Universal Health Insurance. The company's website has been updated with more information about the program, including a list of the top 10 best-selling brands in the world, and a list of the top 10 best-selling brands in China. Citizens can follow the official designated insurance platform "Beijing Universal Health Insurance" WeChat public number online insurance, but also in the Alipay search "Beijing Universal Health Insurance" online insurance, can also be through the six insurance company's professional staff consulting insurance, but also through the Industrial and Commercial Bank of China, the China National Commercial Bank, the China National Bank and the China National Bank. You can also enroll online by searching "Beijing Universal Health Insurance" on Alipay, enrolling through professional staff of six insurance companies, and purchasing through offline branches of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Postal Savings Bank, Bank of Beijing, and Beijing Agricultural and Commercial Bank. Participation ends on December 31, 2022, and the coverage period is from January 1, 2023 to December 31, 2023.