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On the 11th, the reporter learned that since the opening of the insurance channel of "Health Buddha Medical Insurance" in 2024, the number of insured people has exceeded 1.08 million. How do Hong Kong, Macao, and Taiwan citizens participate in the insurance? Are there any preferential prices for group insurance? What value-added "benefits" have been added this year? Here are the latest answers.
On the basis of 2023, this year's "Health and Buddha Medical Insurance" will increase the number of insured persons from 5 to 7 categories, including students with student status in Foshan who participate in basic medical insurance in other places, high-level talents in Foshan City, and various talents in Foshan who hold Guangdong Talent Preferential Guangdong Card and Foshan Talent Green Card.
On March 21, the launching ceremony of the 2024 "Health Buddha Medical Insurance" insurance was held, and the leaders and guests at the event site scanned the code to apply for insurance. / Photo by Fu Shihe, reporter of Foshan News and Media Center
As long as these 7 types of insurance conditions are met, Hong Kong, Macao and Taiwan citizens can participate in the 2024 "Health and Buddha Medical Insurance". When enrolling, you can use the Mainland Travel Permit for Hong Kong Residents starting with HK, the Mainland Travel Permit for Macao Residents starting with MAC, the Mainland Travel Permit for Taiwan Residents starting with TWN, and the Residence Permit for Hong Kong, Macao and Taiwan Residents starting with a number to fill in the information. When filling in the insurance information, if the payer is a person from Hong Kong, Macao and Taiwan, you need to check the "social security number" on the social security card, fill in the "social security number" on the social security card in the certificate column, and complete the verification of the payer's information through "Get Verification Code" after filling in the insurance information.
According to the relevant person in charge of the co-insurance body, compared with other commercial health insurance, "Health Buddha Medical Insurance" is very different in terms of insurance age, pre-existing conditions, waiting period and insurance premium. There is no age limit for the insured, and other commercial medical insurance generally has an age limit for the insured; people with pre-existing conditions can also apply for "Health and Buddha Medical Insurance", and the medical expenses arising from pre-existing conditions can apply for claims; other commercial insurance generally has a waiting period of 30 days or more, and there is no waiting period for "Health and Buddha Medical Insurance"; the price of 185 yuan/person/year, regardless of age and character, commercial insurance is generally distinguished by age and gender, children, Middle-aged and middle-aged people have higher premiums than young adults.
In addition, this year's "Health Buddha Medical Insurance" will "increase" the health rights and interests of the insured, and will launch a number of health management value-added services on May 1, including cancer early screening services, health management services, medical services, life services, etc.
Q&A
1. Which citizens can purchase "Health Buddha Medical Insurance"?
Persons who meet one of the following conditions can participate in the "Health and Buddha Medical Insurance" commercial medical insurance (regardless of the age of insurance, occupation and pre-existing conditions) in accordance with the principle of voluntariness and in accordance with the relevant policies:
(1) Foshan basic medical insurance participants;
(2) Residents of Foshan who participate in basic medical insurance in other co-ordinated areas;
(3) New citizens who participate in basic medical insurance in other co-ordinated places and hold a valid Foshan residence permit as of March 31, 2024;
(4) Students with Foshan status who participate in basic medical insurance in other co-ordinated places;
(5) High-level talents in the city who have been selected into the national, provincial and municipal talent plans at all levels who participate in the basic medical insurance in other co-ordination, as well as all kinds of talents in the city who hold the Guangdong Provincial Talent Preferential Guangdong Card and the Foshan Talent Green Card;
(6) Persons who have been identified by the relevant departments of the Municipality as righteous and courageous persons within the administrative area of the Municipality;
(7) Persons covered by other medical security systems.
2. After buying Foshan medical insurance, is it necessary to buy "Health Buddha Medical Insurance"?
Co-insurance: The basic medical insurance does not cover all the medical expenses of the insured, and the insured still needs to bear the remaining medical expenses after being reimbursed by the medical insurance. "Health & Foshan Medical Insurance" is closely connected with the basic medical insurance and the serious illness insurance for the second supplementary reimbursement of maternity compliant medical expenses after settlement, which is a good partner of Foshan Medical Insurance.
Is there a discount for group enrollment and what are the procedures and procedures?
Co-insurance body: The premium of "Health Buddha Medical Insurance" is set by the government, and the unified price is 185 yuan/person.
Enterprises and groups need to apply for insurance through any insurance company in the co-insurance body.
• Chinese Life Insurance Co., Ltd. Guangdong Branch: 95519
• Chinese Property & Casualty Insurance Co., Ltd. Guangdong Branch: 95518
• China Pacific Property & Casualty Insurance Co., Ltd. Guangdong Branch: 95500
• Ping An Property & Casualty Insurance Company of China Co., Ltd. Guangdong Branch: 95511
• China United Property & Casualty Insurance Co., Ltd. Guangdong Branch: 95585
• Taiping Property & Casualty Insurance Co., Ltd. Guangdong Branch: 95589
When participating in the insurance, enterprises and groups need to provide a list of people who meet the conditions for insurance, confirm the insured personnel after verification, pay the premium through bank transfer to the special account of "Health and Buddha Medical Insurance", provide payment vouchers (bank receipts) and business licenses, and the two parties sign a group insurance service agreement to complete the group insurance.
3. If I buy "Health Buddha Medical Insurance", which hospitals can I go to for reimbursement?
Co-insurance body: Foshan basic medical insurance designated medical institutions can be queried in the "designated medical institutions" of the "Foshan Social Security" official account. If the insured person is approved to be entitled to the compensation of self-financed drugs for specific diseases under the "Health and Buddha Medical Insurance", he or she shall issue a prescription at a designated medical institution and purchase self-financed drugs at a designated designated pharmacy. For the list of designated designated medical institutions and designated designated pharmacies for self-financed drug compensation for specific diseases, please refer to the "Special Drug Catalogue 2024" on the WeChat official account of Health Buddha Medical Insurance.
"One-stop" settlement: The medical expenses incurred by Foshan medical insurance participants in 1,247 designated medical institutions in Foshan (including outpatient specific diseases) in Foshan will be settled through the new national medical security platform, and the medical expenses that meet the claim conditions will be settled at the same time as the "health and Foshan medical insurance" treatment, and the insured does not need to apply for sporadic claims.
Sporadic claims: For medical expenses that have not been settled in a "one-stop" manner and meet the responsibility of treatment and protection, sporadic claims will be settled. Sporadic claims are mainly in the following situations:
(1) Out-of-pocket drug expenses for specific diseases;
(2) Compensation for high medical expenses in general outpatient clinics;
(3) Other situations where "one-stop" settlement cannot be carried out.
Text, video/Foshan News and Media Center reporter Tang Gezhen
Photo/Foshan News and Media Center reporter Fu Shihe