Beijing Jinghuibao added 43 special drugs to more than 500,000 people insured for more than 10 days online

China Securities Network News (reporter Cheng Zhu) Beijing Jinghui Insurance announced the current underwriting situation. According to the project team, since the official launch of "Beijing Jinghuibao" on October 25, 2021, the number of insured people has exceeded 500,000. Like last year, this year's "Beijing Jinghui Insurance" is still 79 yuan, and it can enjoy up to 3 medical insurance of 1 million + 30 million and 24 health services, and the insurance period is until November 30, 2021, and the protection will take effect from December 1, 2021.

Compared with last year, This year, Beijing Jinghuibao has done a lot of upgrades. "In addition to increasing the responsibility for out-of-pocket expenses for hospitalization outside of medical insurance this year, it has also increased the responsibility of self-payment and the responsibility of proton heavy ions, and while maintaining 17 special drugs last year, 43 special drugs have been added, upgraded to the current 60 special drug liabilities." Li Guoliang, deputy general manager of Beijing Life Insurance Co., Ltd., said that in 2021, Beijing Huibao will increase the inpatient medical expense protection of 1 million yuan (limited to one out-of-pocket payment) in medical insurance, and the medical cost protection of specific high drugs is 1 million yuan, and the protection of inpatient medical expenses outside medical insurance is increased by 1 million yuan. The deductible of the inpatient medical expenses outside the medical insurance is 20,000 yuan, and the proportion of compensation is 50%.

In response to the problem of "non-guaranteed renewal", the members of the Beijing Huibao project team said that the insured who checked the renewal when purchasing Jinghui insurance last year will be manually insured this year. She stressed that Beijing Jinghuibao is a short-term health insurance product with a protection period of one year. Even if the insured who checked the renewal at that time was checked, they will need to re-apply this year. In addition, after the second reimbursement of the unit insurance, Beijing Jinghui Insurance can also pay. It is necessary to provide relevant materials such as the statement of the secondary reimbursement of the unit insurance, the calculation details and so on.

At the same time, the product has no waiting period, and the unified effective time is December 1, 2021. When settling a claim, after receiving the applicant's insurance premium payment application and related claim information, the insurance company will make a timely approval, and if the situation is complicated, it will be approved within 30 days and the verification result will be notified in writing. If it is an insurance liability, the insurance company shall pay the compensation within 10 days after the conclusion of the compensation agreement, and if it is not an insurance liability, it will issue a notice of refusal and explain the reasons within 3 days from the date of approval.

It is reported that since the first launch of Beijing Jinghui insurance in October 2020, more than 1.5 million Beijing citizens have participated in the insurance. According to the data, in 2020, the maximum amount of a single claim paid by Beijing Jinghui Insurance was 323,700 yuan, the average claim period was 1.18 days, the maximum age of compensation was 99 years old, and the minimum was 11 months.