"Benefiting the People" in many places has increased protection and simplified the claims process, and people have more "medical" support to rely on when seeing a doctor.

CCTV news: "Huiminbao" is the popular name for "urban customized commercial medical insurance". It is a supplementary medical insurance jointly guided by local governments and financial regulatory authorities, commercially operated by insurance companies, and connected with basic medical insurance. Recently, many cities have launched new-year "Benefits for the People" that have added protection and simplified the claims process.

The Tianjin Huimin Insurance, launched not long ago, has changed from last year's uniform 150 yuan for one year to an age-based coverage of 130 yuan per year for 0-17 years old, 140 yuan per year for 18-49 years old, and 150 yuan per year for those 50 years and above, which has reduced the premium for young people. It has also expanded high-cost specialty drugs to 50 types, further enriching the coverage.

Lu Zhenhu, director of the Benefits and Security Department of the Tianjin Municipal Medical Insurance Bureau, said that 70% of the basic medical insurance catalog is covered by medical insurance. If the remaining 30% is paid by the individual, these medicines or consumables or diagnostic and treatment items that were originally purely self-paid are also included in the reimbursement, which further expands the coverage compared with last year.

The basic premium of Xihu Yilianbao, the 2027 "Huimin Insurance" product launched by Hangzhou, is 150 yuan/year, but the premium for children's medical insurance, college students' medical insurance, and new citizens under the age of 18 is only 100 yuan/year, and you can enjoy up to 3.2 million yuan in protection. Compared with previous years, this year's "Huiminbao" focuses on upgrading the group protection of "one elder and one small", Internet outpatient medical protection, etc. Insurance related staff said that if you have some minor headaches and fever, as long as you make a diagnosis and dispense medication on the Internet at a designated hospital, you can directly settle the claim, with no deductible and a reimbursement rate of 80%.

The newly launched "Huiminbao" products in Jinan and other cities continue the characteristics of "low threshold and wide coverage". There are no age restrictions, no occupation restrictions, no household registration restrictions, and no health notification is required for insurance participation. People with pre-existing conditions can be compensated at an agreed ratio. More and more cities have realized one-stop settlement between "Huimin Bao" and basic medical insurance. When patients are discharged from the hospital, they only need to pay the difference after deducting the reimbursements from medical insurance and "Huimin Bao". There is no need to advance all the expenses themselves, and there is no need to go to the insurance company with thick documents to apply for claims afterwards.