202165438+On February 6th, Chongqing Chongqing Express Insurance was officially launched. Everyone who pays a minimum of 69 yuan every year can enjoy millions of medical insurance, regardless of age, health status and occupation. As long as they are citizens participating in the basic medical insurance in Chongqing.
Development background:
As a customized inclusive commercial supplementary medical insurance, "Chongqing Express Insurance" is supervised and guided by the Municipal Medical Insurance Bureau and the Municipal Insurance Regulatory Bureau. It is understood that in order to do practical and good things that people care about and reduce the high cost burden of people suffering from serious illness, "Chongqing Chongqing Express Insurance" has organized in-depth research and demonstration in various aspects according to the characteristics of Chongqing's urban and rural dual population, uniformly determined the premium standard, treatment standard and coverage scope, and determined two protection schemes of 69 yuan Pratt & Whitney 169 yuan upgrade, with the highest reimbursement ratio reaching 80%.
Specific content:
"Chongqing Express Insurance" adheres to the guidance of government guidance, policy support, insurance handling and universal service, and follows the principles of wide coverage of customized services, multi-level treatment guarantee, sustainable guidance and supervision, and standardized operation marketization. On the basis of basic medical insurance, large critical illness insurance and medical assistance, new affordable and accessible supplementary medical insurance protection has been added for citizens.
"Chongqing Chongqing Express Insurance" takes "four unifications, three guarantees, two connectivity and one opening" as the core, and strives to solve the urgent needs of the masses and effectively benefit the people and the people.
"One opening" is the most beneficial to the people: urban workers' medical insurance personal account payment and family treatment are opened, and employees' medical insurance participants can use the balance of their personal accounts to buy insurance for themselves, their parents, spouses and children, giving full play to the function of personal accounts to coordinate the interests and ensure health.
The "two connections" are the most convenient: in terms of participation, the basic medical insurance participants are all connected, and there are no restrictions on participation such as age, occupation and health status. Different groups of people are insured according to the unified rate standard, which solves the problem of small coverage of ordinary commercial health insurance, especially for the sick and the elderly. In terms of claims, basic medical insurance is connected to achieve one-stop settlement. When the patient is discharged from the hospital, the expenses that should be borne by the basic medical insurance and "Chongqing Happiness Insurance" will be settled simultaneously to solve the problem of "paying for medical treatment and running errands for claims".
"Triple protection" is the most beneficial to the people: the protection scheme covers the medical expenses in the medical insurance catalogue, including self-funded drugs and self-funded medical expenses outside the medical insurance catalogue. The upgrade also includes 19 common malignant tumors, 3 1 new special drugs and1/rare diseases. Out-of-pocket expenses in the medical insurance catalogue are only free of compensation 1.5 million yuan, out-of-pocket expenses are only free of compensation of 5,000 yuan, and out-of-hospital special drug protection in the upgraded mode is free of compensation of 0, which is the lowest among similar cities in China and benefits a wider range of people to the greatest extent.
"Four unifications" guarantee quality and effect: unify insurance standards, insurance rates, insurance schemes and operating platforms, coordinate insurance windows, premium management and payment settlement, provide standardized handling services, improve the ability of guarantee services and risk tolerance, and maximize the use of premiums for medical treatment.
The introduction of "Chongqing-Chongqing Express Insurance" is an important measure to promote the development of supplementary medical insurance and the construction of multi-level medical security system in Chongqing. It is a concrete practice to promote the coordinated development of basic medical insurance and commercial insurance and build a medical insurance governance pattern of "* * * enjoyment, * * * construction and * * * governance". It is an important project to promote the prosperity of * * and realize the harmonious development of society, which will effectively benefit all insured persons and provide for the people.