In recent years, various regions have introduced inclusive commercial medical insurance as a supplementary means of basic medical insurance in the way of government guidance+market-oriented operation. This kind of medical insurance has low insurance threshold and covers many people, which can effectively meet the multi-level and diversified health security needs of residents. The report of the 20th National Congress of the Communist Party of China proposed to promote the orderly connection of multi-level medical security, improve the serious illness insurance and medical assistance system, implement the settlement of medical treatment in different places, establish a long-term care insurance system, and actively develop commercial medical insurance. In recent years, urban customized commercial medical insurance (also known as Huimin Insurance) continues to be favored by consumers. By the end of last year, the total number of insured people had exceeded 100 million. What are the reasons for the popularity of the People's Insurance, and what optimization and upgrading have been made in combination with people's demands? How to operate steadily and continuously benefit consumers? The reporter conducted an interview. As long as the premium is more than 100 yuan, 56 year old Ms. Dong, a Beijing citizen, can participate in the insurance for new citizens and other groups. She suffered from brain disease (craniotomy due to her illness) this year, and the medical expense is more than 300000 yuan at her own expense. To her relief, Beijing Pratt&Whitney Health Insurance, which she insured last year, reimbursed about half of her own expenses. "Not only that, the insurance of this product is not limited to health status, and I can continue to cover this year." She said. "Beijing Inclusive Health Insurance has included the sick people into the insurance coverage, making up the gap between the basic medical insurance and the traditional commercial health insurance, better meeting the multi-level and diversified medical security needs of the people, and enhancing the ability to resist serious disease risks." Ma Jiye, secretary of the Party Leadership Group and director of the Beijing Medical Insurance Bureau, said. Since the beginning of benefiting the people and protecting the people, the low threshold is the outstanding performance of its universality and an important reason for its popularity. The elderly, patients with basic diseases and other people who are difficult to obtain insurance in the past also have the opportunity to increase medical security for themselves. The insured can also receive certain compensation according to the relevant provisions for their previous illnesses. At the same time, the premium is low, as long as more than 100 yuan, which can effectively reduce the burden of residents' participation in insurance. In recent years, there have been many new practices to further improve the benefits of people and social security. ——We will expand our coverage of new citizens and make up for the shortcomings in ensuring people's wellbeing. At the beginning of this year, the CBRC and other departments proposed to develop inclusive commercial insurance products to meet the multi-level and diversified security needs of new citizens. In many places, people in new cities have benefited from the policy. Gao Peng, the delivery boy who worked in Guangxi, recently added a medical insurance to himself. He said: "The local Huiyong Insurance does not limit the occupation and registered residence of the insured, and the minimum premium is only 88 yuan, bringing real benefits to our new citizens." It is understood that in the first half of this year, the number of new citizens of Huiyong Insurance has exceeded 500000. Zhejiang insurance institutions have actively expanded the number of people who can participate in commercial supplementary medical insurance to new citizens and achieved good results. Bao Zuming, the director of Zhejiang Banking and Insurance Regulatory Bureau, said that local insurance institutions would expand the number of people who can participate in commercial supplementary medical insurance to new citizens, such as Hangzhou's West Lake Union Insurance, where new citizens accounted for more than 20%. In addition, local insurance institutions provide high-quality and low-cost exclusive insurance protection for industries with more concentrated residents in the new city, and build a new citizens' security network. ——Increase the responsibility for special drugs and ensure a more comprehensive coverage. The special drugs and technical means needed for the treatment of some major diseases are often expensive, bringing more
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Source：http://paper.people.com.cn/rmrb/html/2022-11/04/nw.D110000renmrb_20221104_2-10.htm
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