According to the Jiangsu public news channel "News 360", on the morning of October 27, under the guidance of Nanjing Municipal Medical Security Bureau, Nanjing Civil Affairs Bureau, Nanjing Municipal Health Commission, Nanjing Local Financial Supervision and Administration Bureau, and Nanjing Federation of Trade Unions, the exclusive Nanjing inclusive supplementary medical insurance "Nanjing NinghuiBao Phase II" was officially released. The insured personnel of the basic medical insurance in Nanjing can participate in the insurance, which only needs 99 yuan per year, and can get up to 1.5 million yuan of protection. How is "Nanjing Ninghuibao Phase II" different from Phase I? How do I enroll and pay out?
According to the information released at the press conference site, from now until December 31, 2021, the second phase of "Nanjing Ninghuibao" opened a new year's insurance entrance, and all the insured personnel of Nanjing Basic Medical Insurance, regardless of age, occupation, pre-existing diseases, diseases, and no physical examination, can complete the insurance through the official WeChat public account "Nanjing Ninghuibao" and Alipay search "Nanjing Ninghuibao", the insured only needs 99 yuan per year, up to 1.5 million yuan of protection, at the same time, Support Medicare personal account for the whole family to buy. The policy is effective from 1 January 2022 with no waiting period and a one-year coverage period.
Compared with the "Nanjing Ninghui Insurance" in 2021, the premium of the second phase of the product is still 99 yuan per year, and the sum insured has increased from the original maximum of 1.1 million yuan to 1.5 million yuan, and the compensation ratio has also increased.
Jiang Hui, manager of the health insurance department of the Nanjing branch of Chinese Min Property & Casualty Insurance Co., Ltd., introduced that the compensation for drugs outside the scope of the medical insurance catalog has been increased, including the self-payment cost of diagnosis and treatment projects, and the deductible of the first phase has been partially reduced in the second phase of the product.
During the period of protection, if the insured person occurs due to illness or accident, the out-of-pocket expenses incurred in the medical insurance catalogue that meet the requirements of hospitalization and outpatient treatment of major diseases and the use of drugs negotiated by the state during hospitalization are 18,000-20,000, regardless of pre-existing conditions, and 10% are paid; the parts of more than 20,000 are paid 90% for non-pre-existing diseases and 60% for pre-existing diseases. For reasonable and necessary out-of-pocket expenses outside the scope of medical insurance incurred by the insured person due to illness or accident in hospitalization and outpatient treatment of major illnesses, the proportion of compensation for non-pre-existing diseases is 50%, and the proportion of compensation for pre-existing diseases is 30%.
Zhou Jianping, director of the Treatment and Security Department of the Nanjing Municipal Medical Insurance Bureau, introduced that the current basic medical insurance has achieved municipal overall planning, and major illness insurance, employee and resident insurance have been established and municipal overall planning has been realized. From the perspective of the scope of basic medical insurance, there is also a bottom medical protection that is medical assistance. At present, from the policy level, the consideration of establishing a multi-level medical security system is "Nanjing Ninghuibao", and the next step is to make the products of "Nanjing Ninghuibao" closer to the actual situation of the people, and if it is running well, the treatment of the guarantee will be improved.
Jiangsu TV reporter / Fang Chen Yang Rong Editor / Hu Chao
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