Important Notice: From April 23, 2024, to June 30, 2024, the 2024 edition of "Shanghai-Huizhe Insurance" is officially open for a limited time for insurance applications via the official application channel "Suishenban Citizen Cloud" App!
As the city-customized commercial medical insurance under the guidance of the Shanghai Municipal Government, the 2024 edition of "Shanghai Hui Bao" continues the "zero threshold" enrollment conditions of previous years—no age limit, no occupation restrictions, no need for physical examinations, and pre-existing conditions are insurable and compensable. It's worth noting that the 2024 edition of "Shanghai Hui Bao" has upgraded on the basis of the original coverage without increasing the price. The premium remains unchanged from last year at 129 yuan per person per year, providing medical coverage of up to 3.1 million yuan.
From now until June 30th, individuals covered by Shanghai's basic medical insurance can enroll themselves and up to six immediate family members (parents, spouse, and children) who also have Shanghai medical insurance through the official enrollment channel, the "Suishenban Citizen Cloud" app. They can use their personal medical insurance account balance for enrollment.
Who is eligible for coverage? How can you enroll? What does the 2024 version of "Hu Hui Bao" offer in terms of protection?
Let's delve into more details about the 2024 edition of "Hu Hui Bao"!
Enhanced Coverage at Unchanged Prices
The 2024 edition of "Hu Hui Bao" maintains the same price as last year but offers enhanced coverage. The scope of protection has widened, with lower claims thresholds. The premium remains at ¥129 per person per year, providing up to ¥3.1 million in medical coverage.
Compared to last year, the insurance responsibilities of the 2024 edition of "Hu Hui Bao" have been expanded, optimized, and augmented.
Responsibility One: "Specific Inpatient Self-Paid Medical Expenses" now includes expenses incurred during hospitalization for treatments categorized as "treatment fees."
Deductible for Responsibility One: The basic deductible has been optimized from ¥16,000 to ¥12,000. For policyholders with continuous renewal and no claims for one year, the deductible is ¥11,000; for two years, it's ¥10,000.
Responsibility Two: "Domestic Specific High-Cost Drug Expenses" has increased from 36 to 41 types.
Responsibility Four: "Overseas Special Drug Expenses" have expanded from 15 to 28 types.
Responsibility Five: "Car-T Medical Expenses" now covers three types of "Car-T" drugs, up from two.
Enhanced Protection with Retroactive Compensation
Attention, "Hu Hui Bao" policyholders eligible for claims:
Starting from April 13, 2024, a compensation adjustment plan will be implemented for claim cases from the 2023 edition of "Hu Hui Bao," providing retroactive compensation for eligible cases:
Cases already filed and settled will automatically receive retroactive compensation.
Cases filed but not yet settled will be automatically upgraded for compensation.
For expenses eligible for the upgrade but not yet filed, applicants must proactively apply for claims through the "Suishenban Citizen Cloud" app!
How to enroll in the 2024 version of "Shanghai Hui Bao":
Individuals eligible for Shanghai's basic medical insurance can enroll themselves and up to seven family members from now until June 30 by accessing the official enrollment channel on the "Suishenban Citizen Cloud" app.
Follow these steps:
Step 1: Log in to the "Suishenban Citizen Cloud" app.
Step 2: Click to enter the "Shanghai Hui Bao" enrollment page.
Step 2: Select the insured (can be yourself/parents/children/spouse, up to 7 people insured) → Click "Agree to the Agreement and Pay" → Read the relevant insurance agreements, click "Read and Agree to Each Clause".
If insured in previous periods, simply check the insured person(s).
If the previous term has not been insured, click on "Add an Insured" → Select and enter the personal information of the insured (name, ID number).
Step Three: Upon reaching the payment page, select your preferred payment method and proceed to pay the premium.
For example, if using "Payment from Individual Medical Insurance Account": Choose "Payment from Individual Medical Insurance Account" as the payment method → Click "Pay Now" at the bottom of the page → Confirm any prompts regarding the insured person's major medical treatment records and corresponding reimbursement ratios. After confirming, click "Agree to Insure" → Click "Confirm Payment" to complete the premium payment.
After purchasing insurance, you can view your policy by navigating to the "My" section on the "HuHui Bao" insurance interface, clicking on "Order Inquiry," and then selecting "View Details" for the desired order.
Friendly Reminder:
Eligible Participants: All individuals covered by the Shanghai Basic Medical Insurance, including the Shanghai Employee Basic Medical Insurance and the Shanghai Urban and Rural Resident Basic Medical Insurance.
Coverage Period: From April 23, 2024, to June 30, 2024.
Coverage Duration: Effective from 00:00 on July 1, 2024, until 24:00 on June 30, 2025.
Premium: ¥129 per person per year.
