The Zhitong Finance App learned that on November 4, the 2027 “Beijing Inclusive Health Insurance” was officially opened for enrolment. This is the sixth year that the “Beijing Inclusive Health Insurance” has covered and served the citizens of Beijing, and the sixth year that Yidu Technology (02158) has continued to be the main operator.
As an important part of Beijing's multi-level medical insurance system, “Beijing Inclusive Health Insurance” is jointly directed by the Beijing Municipal Medical Security Bureau and the Financial Commission Office of the Beijing Municipal Committee of the Communist Party of China, and is strictly supervised by the Beijing Supervisory Authority of the State Administration of Financial Supervision and Administration. Over the past six years, the product has always adhered to the inclusive position, closely linked to basic medical insurance, and responded positively to the multi-level and diversified medical insurance needs of Beijing residents.
2027 “Beijing Inclusive Health Insurance” officially launched
The premium has not changed for 6 years, and the original intention of inclusiveness has remained the same
The 2027 “Beijing Inclusive Health Insurance” continues to uphold the original intention of “low threshold, broad coverage, and high coverage”. The premium remains unchanged at 195 yuan/year, with a cumulative insured amount of 3.5 million yuan. Product coverage covers out-of-pocket expenses within medical insurance, out-of-pocket expenses for hospitalization outside medical insurance, and 165 types of expensive specialty drugs at home and abroad. Among them, 53 types of domestic specialty drugs, 60 types of overseas specialty drugs, 2 types of specialty drugs increased to 52, and various cutting-edge drugs in the fields of tumors, high-value chronic diseases, innovative CAR-T therapy, rare diseases, etc., were added, and 0 deductibles were added, effectively reducing the burden of high medical expenses for patients with major diseases and their families.
Since its launch, the number of participants in the “Beijing Inclusive Health Insurance” has been growing steadily year by year, and the total number of insured persons has exceeded 19.8 million. The number of beneficiaries is also expanding year by year. Up to now, the total number of payments has exceeded 740,000, with a single maximum payment of 935,000 yuan. The compensation cases covered all age groups. The largest payee was a 105-year-old elderly person, and the minimum payee was an infant under the age of one month. Behind every payment figure, it carries the real needs and rekindled hopes of a family, and also explains the sincere original intention of the product to “benefit the people”.
It is worth noting that insurance enrolment is not limited to age, household registration, occupation, or health status. All Beijing basic medical insurance participants, new Beijing residents with Beijing domicile registration or Beijing residence permits and who have participated in basic medical insurance from other places, and specific groups of people managed by relevant government departments such as the Beijing Municipal Medical Security Administration (including land acquisition personnel, medical caregivers, retirees, and people on military leave) can enroll in insurance and claim compensation.
Iterative upgrading of health services, extending from “protecting diseases” to “promoting health”
In 2027, three services were added to the 2027 product: early cancer screening, Alzheimer's disease early screening, and AI health manager, to promote the extension of coverage from “post-illness compensation” to “pre-illness prevention.” Among them, the early cancer screening service targets key cancer types such as lung cancer, colorectal cancer, stomach cancer, breast cancer, liver cancer, and cervical cancer, assesses the risk of insured persons and provides early warning through various methods of early screening questionnaires, home self-examination, and special testing; the Alzheimer's disease early screening service targets middle-aged and elderly insured persons, through professional cognitive function screening, home self-collection and testing, etc., to help identify the risk of cognitive decline early and gain a valuable time window for early intervention; AI health managers rely on artificial intelligence technology to provide insured persons with a 724 hour time window One-stop service for intelligent consultation, interpretation of medical examination reports, chronic disease management, etc. Health consulting services make professional health management within reach.
In addition to this, all insured persons can also enjoy general health services and discount benefits on drug purchases. First, health services can be used free of charge 5 times throughout the year, covering various scenarios such as medical assistance, home care, home rehabilitation, on-site testing, and lifestyle care, to accurately match the individual needs of different insured persons. Second, you can enjoy a 10% discount on drug purchases throughout the year. You can use it 12 times throughout the year. The total annual subsidy is 1,800 yuan, and the maximum subsidy is 400 yuan per time, further reducing the burden of daily medication use.
AI escort, focusing on full-cycle health insurance needs
As an important part of building a multi-level medical insurance system in Beijing, “Beijing Inclusive Health Insurance” has gone through six years of continuous upgrading of coverage and continuous optimization of services, and has become a “Beijing sample” for the development of welfare insurance in megacities. In this process, Yidu Technology relies on the AI capabilities of the “AI medical brain” Yiducore to provide “Beijing Inclusive Health Insurance” with a one-stop solution for the whole process from product design, system construction, platform operation, marketing promotion to intelligent customer service and smart claims, and uses technical strength to help improve the quality and efficiency of Huimin Insurance services.
Insurance coverage not only solves the problem of “being able to see a disease”, but also requires moving the health risk threshold forward to meet the public's actual needs for health management throughout the life cycle. On the basis of continuing to improve medical insurance and existing health services, “Beijing Inclusive Health Insurance” has added services such as early cancer screening, early Alzheimer's disease screening, and AI health management, so that coverage is not only reflected in “losing money” at critical moments, but also health care throughout the life cycle, promoting the transition from “insured illness” to “managed health”, and further enhancing the sense of attainment, happiness and satisfaction of insured citizens.
Behind this is Yidu Technology's long-term accumulation and ability to implement scenarios in the medical AI field. Up to now, Yidu Technology has been deeply involved in the “Huimin Insurance” project in 5 provinces and 13 cities including Beijing and Shenzhen, serving more than 45 million insured users. By deeply integrating AI capabilities with actual medical application scenarios, Yidu Technology continues to explore collaborative innovation in medicine, patients, medicine, insurance, and health to help build a more inclusive, fair, and perfect healthcare protection system.
Xu Jiming, co-founder and CEO of Yidu Technology, said, “As an innovative technology enterprise that has long been deeply involved in medical AI, Yidu Technology is committed to deeply integrating technical capabilities with actual medical application scenarios to promote deep collaboration between medicine, patients, medicine, insurance, and health. In the future, we will continue to innovate products and services to inject AI impetus into helping achieve the strategic goal of 'Healthy China 2030'.”