Huiqiong Bao
"Huiqiong Bao", guided by the government and available to the entire province, is an inclusive commercial health insurance product that complements basic medical insurance. It is characterized by "low premiums", "low barriers to entry", and "high coverage". After four years of exploration and practice, "Huiqiong Bao" has garnered widespread attention and active participation from the public, with over 3.38 million participants and a total payout exceeding 160 million yuan. The highest individual payout reached 1.56 million yuan, effectively alleviating the medical burden for those suffering from serious illnesses and playing a positive role in building a multi-layered medical security system.
Annual Premium Starts at Just 59 Yuan
The 2025 edition of "Huiqiong Bao" continues its inclusive nature, offering four protection plans starting at an annual premium of 59 yuan, providing over a million yuan in medical coverage. Policyholders can choose one plan based on their needs.
The First Chengmei Medical Groups Hainan Cancer Hospital, Hainan Chengmei Hospital, and Boao Super Hospital, as designated cooperative medical institutions for "Huiqiong Bao", will provide green channel services for patients filing claims.
Highlights of "Huiqiong Bao" 2025 Edition
1. Expanded Scope of Medical Insurance Individual Account Payments
Supports using medical insurance individual account balances to insure oneself and eligible relatives such as spouse, parents, children, grandparents, great-grandparents, grandchildren, and siblings without additional cash outlay, covering the whole family for ultimate reassurance.
2. Increased Coverage Limit
The coverage limit for responsibilities within the basic medical insurance scope is increased by 200,000 yuan to 1.2 million yuan, enhancing the strength of coverage.
3. Deductible Reduction for Continuous and Family Insurance
For medical expenses within the scope of medical insurance, the annual deductible is reduced to 16,000 yuan per person for those who were insured last year, did not withdraw insurance, and did not file a claim or for family insurance users who continue to insure; for those who have been insured for two consecutive years without withdrawal or claim, the annual deductible is reduced to 15,000 yuan per person.
4. Expanded Range of Specially Managed Drugs
The range of specially managed drags has been expanded to 105 kinds, covering a broader range of indications, ensuring that policyholders have access to the medications they need.
5. More Practical and Considerate Health Services
The health services in the 2025 edition of "Huiqiong Bao" have been fully upgraded. Policyholders can enjoy free dental cleaning, medical escort, outpatient green channel, weight assessment, and other health management services, even without filing a claim, making the premium worth the value!
Q: Who Can Insure?
Hainan Provinces basic medical insurance participants, as well as those residing in Hainan with a residence permit, Hainan household registration, Hainan ID card, Hainan deputed personnel, those recognized as high-level talents in Hainan, new citizens, and flexible employment personnel can insure themselves and their parents, spouses, and children.
Q:How to Insure?
Insurance Period and Coverage Period
Insurance Period:
November 5, 2024, to December 31, 2024
Coverage Period:
January 1, 2025, to December 31, 2025