Beijing, August 26 (China News Network) (Reporter Du Yan) Today, the "Beijing Universal Health Insurance" was launched for a full month, and the number of insured people has exceeded 1.4 million. Insured persons can realize one-stop settlement of claims within medical insurance and enhance the family's ability to resist the risk of medical expenditure.
"Beijing Inclusive Health Insurance" is jointly guided by the Beijing Municipal Medical Security Bureau and the Beijing Municipal Financial Supervision and Administration Bureau, and supervised by the Beijing Supervision Bureau of the China Banking and Insurance Regulatory Commission, which is the only urban customized commercial medical insurance project in Beijing that is reported and implemented in strict accordance with the regulatory requirements, and is a useful supplement to the basic medical insurance in Beijing.
Beijing basic medical insurance participants only need to pay 195 yuan a year to obtain medical insurance of up to 3 million yuan inside and outside the medical insurance directory, covering the inpatient + outpatient personal out-of-pocket expenses in the medical insurance directory, the personal self-payment costs of inpatients outside the medical insurance directory, and the high cost of 100 kinds of special drugs at home and abroad.
More than 1.4 million people are insured, and the "post-80s" love to insure their families
According to Zhang Shi, CEO of Yiduyun, the main operating platform of "Beijing Universal Health Insurance", as of 0:00 on August 25, the number of participants in "Beijing Universal Health Insurance" exceeded 1.4 million. In terms of gender, male insured persons accounted for 47.19%, and female insured people accounted for 52.81%. From the perspective of the age of insurance, "post-80s" and "post-60s" have become the main force of insurance, accounting for 41.89% of the insured.
The data also shows that there are 3859 infants under the age of one among the insured, the youngest insured is a baby boy who has just been born 42 days ago; there are 35556 people over 80 years old, including 14 centenarians, and the oldest insured is a 106-year-old grandmother. Among the insured people who insured their families, nearly half of them are "post-80s".
At the press conference, He Xiaojing, representative of the "Beijing Universal Health Insurance" co-insurance body, answered questions of public concern such as the setting of deductibles, whether young people need to apply for insurance, and the difference between supplementary medical insurance and the unit.
He Xiaojing introduced that Beijing Universal Health Insurance mainly solves the risk of family expenditure caused by high medical expenses, so the setting of deductible will not have a negative impact on the systemic risk of families caused by serious illnesses and caused by illnesses. The supplementary medical insurance of the unit does not conflict with the "Beijing Universal Health Insurance", and the two are allocated at the same time, which can better solve the problem of medical cost burden. Young people should take advantage of the time of good health to apply for insurance as soon as possible, even if a specific disease occurs in the process of continuous insurance, they can still get compensation according to the standards of healthy people.
Support medical insurance individual account payment, one person pays to save the family
From now on, to participate in the "Beijing Universal Health Insurance", Beijing municipal employee medical insurance participants can not only use the balance of their personal medical insurance account to pay premiums directly, but also use their personal account balance to insure their parents, children, spouses and other immediate family members, further reducing the insurance threshold and enhancing the sense of gain, happiness and security of the people.
In terms of specific operation procedures, Beijing medical insurance participants can apply online through the officially designated insurance platform "Beijing Puhui Health Insurance" WeChat public account, and can also apply for insurance through Alipay, Tencent Micro Insurance, JD.com and other channels. In the payment process of the order, select the "Medical Insurance Personal Account Payment" button to confirm the payment.
The Beijing Municipal Medical Security Bureau recently issued the Supplementary Notice on the Scope of Use of Individual Accounts for Basic Medical Insurance for Urban Workers, which further clarifies the scope of use of individual accounts for basic medical insurance for urban workers in Beijing. The notice pointed out that the individual account is used to pay the individual contributions of the insured persons themselves, their spouses, parents and children to participate in the basic medical insurance and long-term care insurance of urban and rural residents in the city, and to support the purchase of supplementary medical insurance in Beijing.
Achieve "one-stop" claims within medical insurance
Carrying a bunch of hospitalization materials and medical bills back and forth between the hospital and the insurance company is really laborious and laborious. In response to the concerns of many citizens, such as "difficult to settle claims" and "slow claims", "Beijing Universal Health Insurance" improves the sense of claim experience through "one-stop" claims within medical insurance.
According to the project team of "Beijing Universal Health Insurance", based on the close connection between the medical insurance protection of "Beijing Universal Health Insurance" and the medical insurance system for major diseases, in order to better reflect the characteristics of inclusive and convenient products, in the claim process, the compensation cases involving the medical expense protection within the medical insurance will be unified and synchronized to the insurance company as the basis for claims, further simplifying the claim process and achieving one-stop settlement.
The relevant person in charge of the Beijing Municipal Medical Security Bureau said that the opening of the personal account payment function of the "Beijing Universal Health Insurance" product and the launch of the one-stop settlement function of the cost within the medical insurance have increased the product payment channels, realized the medical insurance family assistance, and effectively promoted the information sharing, realized the realization of more information to let the people run less errands, and further reflected the first good standard of Beijing inclusive commercial health insurance.
In addition, for liabilities other than medical insurance, the insured pays attention to the "Beijing Universal Health Insurance" WeChat public account after discharge, submits the claim materials online, and the insurance company completes the rapid payment after receiving the online material review; for the special drug liability, the insured holds the prescription issued by the prescribed hospital, takes the medicine at the designated special drug service outlet, and only needs to pay the part that the insured should bear to quickly obtain the drug and enjoy the special drug service without advance payment.
"Beijing Pass" and "Beijing Medical Pass" opened the entrance to insurance
In order to provide a more efficient and convenient insurance experience, "Beijing Universal Health Insurance" has been officially launched on the Beijing App and the "Beijing Medical Pass" WeChat public account, and Beijing citizens can also apply for insurance online through the above channels. Beijing Tong APP is a mobile government affairs and public service platform sponsored by Beijing Municipal Big Data Administration. The "Jingyitong" WeChat public account provides citizens with a full range of diagnosis and treatment services such as registration, medical payment, and inquiry of test results. (End)
Source: China News Network