On the morning of October 13th, the launch event for the 2027 version of "Huiqiongbao" product was held in Haikou. At the event, Hainan Cancer Hospital/Affiliated Cancer Hospital of Hainan Medical University and Hainan Chengmei Hospital jointly donated 2,000 copies of the inclusive commercial health insurance "Huiqiongbao" 2027 version to vulnerable groups in the province, strengthening the protection line against serious illnesses for those in need.
The 2,000 "Huiqiongbao" policies donated this time are all upgraded version B, with a premium of 138 yuan per policy and a total premium of 276,000 yuan. The product is upgraded based on version A, covering medical expenses both inside and outside of medical insurance, special drugs, and the first boron neutron capture therapy. The donation is targeted precisely, with the beneficiaries being low-income and impoverished individuals identified by civil affairs departments in the province. The coverage is valid until December 31, 2027, ensuring that the resources are directly and precisely delivered to the beneficiaries.
The "Huiqiongbao" 2027 version, guided by the Hainan Regulatory Bureau of the National Financial Regulatory Administration and the Hainan Provincial Medical Insurance Bureau, is jointly underwritten by 15 insurance institutions. It is a special inclusive commercial health insurance product exclusive to Hainan Province, featuring "low premiums, wide coverage, and high protection" for the benefit of the people. As of September 2026, "Huiqiongbao" has accumulated over 4.86 million insured individuals, with a total payout amount exceeding 258 million yuan; the highest individual payout exceeded 1.56 million yuan, effectively alleviating the high medical financial burden of patients with serious illnesses.
At the press conference, Ms. Pan, a family member of a compensated user, shared her experience of medical treatment and claim settlement. In 2026, Ms. Pan insured her family member with "Huiqiongbao". Later, the family member unfortunately suffered from a serious illness and was treated at Hainan Cancer Hospital/Affiliated Cancer Hospital of Hainan Medical University. During the treatment, yttrium [90Y] therapy was required. This treatment has been included in the special drug coverage directory of "Huiqiongbao", and the patient can enjoy corresponding benefits and apply for medical expense advance payment, successfully completing the treatment and effectively alleviating the family's pressure from large medical expenses.
"This insurance may seem unremarkable at ordinary times, but it can truly support a family in the event of a serious illness," said Yu Shuyong, President of Hainan Cancer Hospital/Affiliated Cancer Hospital of Hainan Medical University and Hainan Chengmei Hospital. In clinical practice, many patients with serious illnesses have the opportunity to receive cutting-edge diagnostic and treatment technologies, but they are blocked by medical expenses. Inclusive insurance like "Huiqiongbao" effectively reduces the financial burden, enabling more ordinary patients to access advanced treatment methods such as [90Y].
It is worth mentioning that in August 2026, Hainan Cancer Hospital/Hainan Chengmei Hospital, the affiliated cancer hospital of Hainan Medical University, launched the "Huiqiongbao" one-stop settlement service. When insured patients are discharged from the hospital, the system can automatically complete the simultaneous reimbursement of basic medical insurance and "Huiqiongbao", eliminating the need for patients to submit claim materials or make advance payments before applying for reimbursement. This achieves "reimbursement upon discharge, zero advance payment, zero legwork, and zero application". This service effectively addresses the pain points of previous insured individuals, such as the need for multiple claim materials, frequent legwork, and significant pressure from advance payments, truly realizing the safeguarding function of inclusive insurance at the clinical end.
The 2,000 "Huiqiongbao" insurance policies donated this time will enable the recipients, who are in financial difficulties, to enjoy one-stop settlement services when seeking medical treatment at the two hospitals. They will not need to make advance payments or run errands, further amplifying the safeguarding effect of public welfare donations.