The premium drops to 100 yuan!A new round of "Tianyi Ying Ning Insurance" insured channel is open today

Zhejiang News Client Reporter Li Hua Zhu Jia Correspondent Luan Hui Shi

Today, Ningbo's exclusive Huimin -type commercial supplementary medical insurance "Tianyi Ning Ning Insurance" has launched a new round of insurance. Adults are 100 yuan, and minors need only 60 yuan to obtain a maximum medical expenses of 3 million yuan.

"Tianyi Ningbao" was co -supervised and guided by Ningbo Local Financial Supervision Bureau, Ningbo Medical Insurance Bureau, and Ningbo Banking Insurance Regulatory Bureau. 10 insurance companies in Guoshou Property & Casualty Insurance, Taikang Pension, China Property & Casualty Insurance, and Sunshine Property & Casualty Insurance. The insurance time for the new round of "Tianyi Ningning Insurance" is from September 20th to December 25th, 2022, and the guarantee time is from January 1, 2023 to December 31, 2023.

Since the launch of "Tianyi Ying Ningbao" in 2021, it has received close attention and active insurance participation in Ningbo citizens. The biggest feature of "Tianyi Ning Ning Insurance" is the history of insurement unlimited. Regardless of whether the insurer suffers from past symptoms or not, the inpatient costs that cause past diseases or complications during the insurance period are within the scope of protection. In terms of insurance, "Tianyi Ning Ning Insurance" can use medical insurance account balance over the years to directly participate in insurance and direct relatives, without extra money.

It is worth mentioning that at the launching ceremony today, the family members of the patients came to tell their claims experience. In the past year, through many claims of Yingning Bao, she reimbursed her mother's malignant tumor treatment costs of more than 150,000 yuan, which reduced a lot of economic pressure. "Tianyi Ningning Insurance is a powerful guarantee after the reimbursement of medical insurance. We cannot choose to escape from the illness. We can only give it to the doctor, but we can relieve the economic pressure. I hope that this guarantee will benefit more patients next year and let more people get this guarantee.

At the same time, Ningbo Listed Companies Legehe Ergonomics Technology Co., Ltd. (hereinafter referred to as "Lege") also came to the scene as representatives of insured enterprises. Last year, Lege has spent a lot of money on "Tianyi Ying Ningbao" for nearly 2,000 employees, paying nearly 270,000 yuan in premiums, and 10 employees have applied for claims. After learning that the 2023 version of the "Tianyi Yuenian Insurance" was launched, the person in charge of the company bought the guarantee for employees again as soon as possible.

And this year, "Tianyi Ningbao" has been fully upgraded.

One -cut premium

Average less than 3 cents a day

The most intuitive change in 2023 "Tianyi Ying Ningbao" is the decline in premiums. From the original 139 yuan/person to an adult (born January 1, 2005 (excluding) before), 100 yuan/person, minor (born on January 1, 2005) 60 yuan/person Essence That is, adults spend about 0.27 yuan a day, and minors spend about 0.16 yuan a day to get the entire year's medical expenses for the entire year.

Two down payment line

The reimbursement threshold drops directly 14,000 yuan

In terms of the starting payment line that citizens are more concerned, the "Tianyi Ying Ningbao" in 2023 further implemented the original intention of "inclusive", and the threshold for claims dropped significantly ——

Inpatient and special disease outpatient medical expenses guarantee, malignant tumor prescriptions with self-funded drug cost guarantee, and specific rare disease drug costs have been reduced to 6,000 yuan, compared with 2021-2022 "Tianyi Yingning Insurance "The reimbursement threshold of 20,000 yuan directly reduced by 15,000 yuan. In terms of specific operations, in the cost of reimbursement conditions, less than 6,000 yuan will not be reimbursed; some non -old patients with 6,000 to 20,000 yuan will be reimbursed at 20%, and patients with past symptoms will be reimbursed at 10%; part of the part of more than 20,000 yuan is not permanent disease. Patients are reimbursed at 80%, and patients with past symptoms are reimbursed at 40%; proton and heavy ion medical expenses are guaranteed without rising lines. If you need to get a detailed reimbursement method, please pay attention to the WeChat public account inquiries of "Tianyi Ying Ningbao".

Three refer to reimbursement

Reimbursement ratio of malignant tumor special drugs

It is worth mentioning that in 2023, the "Tianyi Ying Ningbao" canceled the A and B directory settings of the Phasequites of Malignant Tumor Prescription. The insured person designated a prescription in Ningbo City and purchased a designated pharmacy in Ningbo for the treatment of malignant tumors. Drugs within the scope of major disease insurance payment are reimbursed according to a unified proportion.

In simple terms, there are only 35 types of drugs in the previous Class A. Those who meet the reimbursement conditions can be reimbursed at 80%of the patients, and patients with past symptoms are reimbursed at 40%. Class B drugs are reimbursed at 40%, and patients with past symptoms will be reimbursed at 20%. Since 2023, as long as it is currently being legally listed in China, the instructions are drugs for malignant tumors, and the use of reasonable and needed for the indication of the drug instructions is met, which is in line with the requirements of "Tianyong Ningbao" responsibility. , Can apply for reimbursement, and reimburse the reimbursement (equivalent to increasing the original B -drug reimbursement ratio, consistent with Class A medicine). This upgrade will effectively reduce the burden of self -funded drug expenses outside the preparation of malignant tumors.

Four -lifting time effect

"One -stop" settlement is more convenient

According to the "Fourteenth Five -Year Plan" plan, Zhejiang Province proposed the relevant requirements of "vigorously developing smart medical care and accelerating the realization of comprehensive and digital transformation of health and health".

As an important part of the national medical security information platform, Zhejiang's "Smart Medical Insurance" platform has a unified standard and unified encoding to comprehensively form a "one network" in the province's medical insurance. , Cross -level, cross -sector "One Netcom Office". On February 28, 2022, Ningbo launched the Zhejiang "Smart Medical Insurance" platform to press the acceleration key for the digital reform of Ningbo's medical insurance. In 2023, the settlement settlement of "Tianyi Ning Ning Insurance" is more convenient. Medical expenses for hospitalization and special illness clinics in Zhejiang Province can be settled in real time in medical institutions through swiping or scanning code in medical institutions, that is, simultaneously settlement with basic medical insurance. This will effectively alleviate the burden on the large medical expenses of patients, avoid the trouble of running the legs, improve the quality of service, and effectively use the "Tianyong Ningbao" to benefit the people, benefit the people, and the people.

Conservation is convenient

Payment of medical insurance accounts

Compared with last year, this year's insurance channels are more diverse. Citizens can use "Tianyi Ying Ningbao" WeChat public account, Zheli appointment APP, Alipay and other Internet platforms, the official public account, APP, sales personnel, service outlets, other people and platforms recognized by the underwriting agency Pay the fees.

At the same time, to open up the balance of employees' medical insurance accounts for the years, Ningbo medical insurance insured personnel can pay premiums in full deduction of the balance of funds for the employee medical insurance personal account.

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