What is Shanghai Huibao ? How to buy Shanghai Huibao?

Let me tell you about my understanding.

What exactly is the core of Shanghai Huibao?

In fact, other provinces and cities have launched similar products as early as 2020, such as Beijing Huibao (Beijing), Su Huibao (Suzhou), Tianjin Huibao (Tianjin), Chongqing Huibao (Chongqing), Guihuibao (Guangxi), Fuhuibao (Fuzhou), and Hehuibao (Hefei).

In fact, these products all have the same characteristics, that is, local institutions and insurance companies jointly launched to provide people with new medical insurance measures mainly for critical diseases.

Should I buy Shanghai Huibao or not?

From my personal point of view, let's talk about whether to buy it or not! At the moment, I haven't purchased Shanghai Huibao, mainly because I haven't thought it through.

From my own point of view, the advantages of Shanghai Vibao are roughly as follows:

1. You can buy it at the cost of the medical insurance card, and the balance of my medical insurance card over the years has exceeded 10,000, and using the funds to purchase Shanghai Huibao can avoid me from using my own funds.

2. You can buy it for your immediate family, that is, you can buy it for your children, spouse, and elders, which is more convenient, and as the main member of the family, you can buy it for other relatives at any time.

3. You can buy it for the elderly, and the current commercial insurance for the high-risk elderly group will basically not push the corresponding product, even if there is, the premium is high, but Shanghai Huibao does not have this restriction, and the elderly are also 115 yuan to buy.

4. Regardless of past cases, the health notice of commercial insurance is very clear, and those with past cases are not insured, but Shanghai Huibao is not so particular, and there can be a 50% reimbursement ratio in the case of past cases.

5. There is no renewal problem, and it is obviously impossible to continue to renew your insurance once the commercial insurance is out of business. This does not exist in this situation and can be purchased every year, which is equivalent to annual renewal.

The above are just the advantages I see, of course, there are some shortcomings, the main 2 points:

First of all, there are only 21 kinds of self-financed drugs that are reimbursed, and they are basically drugs for cancer, which basically means that the current focus is mainly for cancer diseases, and I personally feel that the scope is still narrower.

The deductible is 2w, which is actually still on the high side, about 2 times higher than some common million medical insurance, and the higher free amount means that the minimum amount may not be reached in many cases.

In addition, the insurance premium for specific out-of-pocket medical expenses for hospitalization refers to the specific drug expenses, surgical materials and examination fees for the out-of-pocket medical expenses in the medical insurance settlement invoice, which also increases the claim limit to a certain extent.

Shanghai Huibao is jointly established by Shanghai Municipal Medical Security Bureau, together with relevant departments, and China Pacific Life Insurance Co., Ltd. **** Shanghai Branch, Chinese Life Insurance Co., Ltd. **** Shanghai Branch, Xinhua Life Insurance Co., Ltd. **** Shanghai Branch, Ping An Pension Insurance Co., Ltd. **** Shanghai Branch, Chinese People's Health Insurance Co., Ltd. **** Shanghai Branch, Taikang Pension Insurance Co., Ltd. **** Shanghai Branch, Ping An Health Insurance Co., Ltd. **** Shanghai Branch, Taiping Pension Insurance Co., Ltd. **** Shanghai Branch, CCB Life Insurance Co., Ltd., Shanghai Branch, 9 insurance companies jointly agreed on the exclusive Shanghai commercial supplementary medical insurance.

It is a kind of welfare for Shanghai residents in Shanghai, only people who have bought Shanghai medical insurance can buy this insurance, this insurance is very good, a commercial insurance premium is very low, but the insurance amount is particularly high, and some diseases can be reimbursed.

As long as the funds around us are sufficient, and to a certain extent, we can afford to pay the annual medical insurance costs, so to a certain extent, we can afford to buy Shanghai Huibao.

However, there are many conditions for the purchase of such insurance, compared with other medical insurance, it is necessary to have local medical insurance in Shanghai, and it has been in the process of insurance, if there is no medical insurance in Shanghai, and Shanghai's medical insurance is no longer in the insurance period, then it is not eligible to purchase. Unlike other medical insurance, even if we have purchased medical insurance before, and there is a certain amount of reimbursement, other medical insurance may not let us buy it, but in the case of Shanghai Huibao, we can also buy it, even if we have a large number of medical insurance reimbursement experience, we can also buy Shanghai Huibao, but the proportion of reimbursement will decrease. For example, Shanghai Huhuibao inpatient out-of-pocket medical expenses can be reimbursed 70% if it is not a pre-existing condition, and only 30% can be reimbursed for a pre-existing illness.

But for most people, it's still completely affordable.

For Shanghai locals, and people with medical insurance, the emergence of such a new type of medical insurance is more convenient, but also to protect the basic medical care of Shanghai people, although with the rise of living standards, people's income has reached a very high level, but in terms of medical care is still a very large expenditure, if each family can appropriately reduce some medical expenditure, it can reduce the burden of a family to a certain extent, It is not so that the sky-high medical expenses can easily crush a family.

Therefore, living in such a safe country is already very happy, and now Shanghai has launched such a very helpful medical insurance for people, and it has provided great help to the lives of the people of Shanghai, which is a very good thing, and I hope that other parts of our country can also launch such a medical insurance one after another.

Step 2: Enter from the bottom menu bar [Insurance Entrance]. The third point is to enroll in insurance immediately, and the fourth step is to read the "Health Notice" and click [Known, continue to enroll.

Step 5, fill in the information entry and insured information, step 6, pay the fee step 7, after the payment is completed, you can view the corresponding order message in the [Order Center] Tips: WeChat search *** Chengdu local treasure, after paying attention to the dialog box reply [Charge Hui Bao] can get the insurance entrance, insurance time, insurance period, insurance cost and applicable groups have a detailed description.

Questions. It's so complicated, let's take a look at it again.

Luhuibao is guided by the Shanghai Municipal Medical Security Bureau, but supervised by the Shanghai Banking and Insurance Regulatory Bureau Shanghai Big Data Center technical support, by the chief underwriting company of China Taibao, for the insurance is actually jointly underwritten by Chinese Life, Xinhua, Life, PICC Health and other 8 insurance companies Shanghai urban customized commercial supplementary medical protection, since the official launch in April 2021, in just one month, the number of insured people has exceeded 5 million, so as the insurance entrance Alipay, The APP has completed a frontal connection with the Shanghai medical insurance system.

Therefore, it can be considered practically, this is an insurance, and it is an insurance for the basic medical insurance participants in Shanghai, and it covers more than 19 million people who are insured by the Shanghai medical insurance. Luhuibao is an insurance with a low threshold, high protection and wide coverage, which is currently rare in China. For personal insurance, the family can support it, and the insurance is very consistent with the quality assurance, and it is also a very good insurance as a medical insurance in Shanghai.

In fact, the insurance is to promote the rapid development of the city's medical security system, play a leading role in the market for Shanghai, and promote the active innovation of the insurance industry to serve the people's livelihood. So that many people suffering from serious illnesses enjoy the corresponding medical insurance, the insurance is a broad coverage of insurance, as long as the Shanghai staff medical insurance and medical insurance residents can be insured, of course, employees can also be insured for the city's family members, increase the family's ability to resist medical risks.

The insurance actually has its own characteristics, first of all, his threshold is low coverage rate, and now it is now for 19 million Shanghai citizens to participate in insurance, and the number of insured people is not limited to age, occupation, health status, and no need for physical examination or the elderly and high-risk professionals can be insured, and secondly, the product is the first inclusive of the average price of the old and young This kind of protection behavior is very good, of course, the insurance also has three major insurances, comprehensive protection, so there is a good protection, As for the fact that this insurance is paid by the individual, the insurance for the joint relief of the family can enjoy the participation of one family. It can be seen that the insurance is very convenient for the people, so it is said that all aspects are relatively perfect, which will attract many Shanghai citizens to participate in the insurance in a short period of time.

Hello dear dear, very grateful for your consultation. I am a special guest tutor of the platform, I have seen the questions you raised so far, according to your description, I am expediting the processing here, and at the same time sorting out the relevant answers, typing and replying to you may take a little time, please be patient! I'll get back to you right away, thank you.

Hello, Winter Huibao is a kind of name for insurance, similar to Huimin Insurance and the like.

The main types of commercial insurance are accident insurance, health insurance, pension insurance, education insurance, financial insurance, etc. Depending on the category, the object of protection is different. Accident insurance mainly covers accidents, health insurance mainly covers illness, pension insurance mainly covers future old age, and education insurance mainly covers children's education expenses.

Wealth management insurance is mainly used for investment and financial management.

Shanghai Huibao is an inclusive commercial supplementary medical insurance, which is the exclusive protection of Shanghainese people, and can only be purchased by participants who participate in Shanghai's basic medical insurance.

It refers to a kind of medical insurance jointly launched by the relevant departments of Shanghai and insurance companies, and then it is very powerful, and the scope of guarantee is relatively comprehensive, and the premium is relatively low.

It is a medical insurance issued by Shanghai, the premium of this medical insurance is very low, the insurance amount is very high, and it is a very good insurance for Shanghai residents.

1. What is Shanghai Huibao?

Shanghai Huibao is guided by the Shanghai Municipal Medical Security Bureau, supervised by the Shanghai Banking and Insurance Regulatory Bureau, and the Shanghai Big Data Center.

Provide technical support.

A commercial supplementary medical insurance jointly launched by the Shanghai Insurance Association and a number of insurance companies in coordination and promotion.

According to Shanghai's living standards and medical standards, Shanghai Huibao is closely connected with social medical insurance, aiming to improve the health protection level of Shanghai's medical insurance participants.

Second, the characteristics of Shanghai Huibao.

1. Cheap.

The insured only needs to pay 115 yuan per year to enjoy a maximum of 2.3 million yuan of health protection for a whole year. **Very inexpensive, it is a commercial supplementary medical insurance that every family can afford.

2. There is no restriction on household registration, occupation and age.

Regardless of whether the insured person holds a Shanghai hukou, whether the insured person is engaged in a high-risk occupation or not, and regardless of the age of the insured person, as long as they participate in the Shanghai basic medical insurance, including the Shanghai employee medical insurance and the urban and rural residents' medical insurance.

Insured persons can be insured, which is very suitable for families with elderly and children at home.

3. There are no health requirements for insurance.

Shanghai Huibao does not refuse to cover people with pre-existing conditions, and there is no requirement for the health status of the insured, whether it is a healthy person or a sub-healthy person.

Or people with pre-existing medical conditions can apply for insurance.

4. The protection is more comprehensive.

Shanghai Vibro can cover certain out-of-pocket medical expenses for hospitalization, certain high drug expenses, and proton and heavy ion medical expenses. The Catalogue of Specified High-Value Drugs includes 21 types of specified high-value drugs, covering a wide range of high-incidence critical illnesses.

Comprehensive coverage. <>

3. Purchase conditions of Shanghai Huibao.

The insurance threshold of Shanghai Huibao is very relaxed, there is no limit to household registration, occupation, age, no health requirements, as long as you participate in Shanghai basic medical insurance, including Shanghai employee medical insurance, urban and rural residents medical insurance, you can buy. However, it should be noted that if you are applying for Shanghai Huibao for your child, not only does the child need to have participated in the basic medical insurance in Shanghai, but also the legal guardian needs to purchase it on your behalf.

All in all, Shanghai Huibao is an exclusive commercial health insurance product launched by Shanghai Municipal Health Insurance Bureau, Shanghai Banking and Insurance Regulatory Bureau and other relevant departments under the guidance of Shanghai's insurance industry and joint insurance companies. Shanghai Huibao was officially launched on April 27, and those who want to be insured can apply for insurance on the "Shanghai Huibao" WeChat***. If you want to buy it for your child, you only need to participate in the Shanghai basic medical insurance, and your legal guardian can buy it on your behalf.

Step 2: Enter from the bottom menu bar [Insurance Entrance]. The third point is to enroll in insurance immediately, and the fourth step is to read the "Health Notice" and click [Known, continue to enroll.

Step 5, fill in the information entry and insured information, step 6, pay the fee step 7, after the payment is completed, you can view the corresponding order message in the [Order Center] Tips: WeChat search *** Chengdu local treasure, after paying attention to the dialog box reply [Charge Hui Bao] can get the insurance entrance, insurance time, insurance period, insurance cost and applicable groups have a detailed description.

Questions. It's so complicated, let's take a look at it again.