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Original Title: Hainan Free Trade Port Launched First Million Dollar Health Insurance for Specialty Drugs Overseas for Home Use
Since the epidemic, people’s awareness of health insurance has increased significantly, which has also directly promoted the innovative development of commercial health insurance. On December 17, the “Haibao Life Free Trade Port Special Medicine Cross-Border Special Medicine Medical Insurance” was officially launched in Haikou. This is also the first free trade port of millions of health insurance supporting special medicine and cross-border medical treatment + special medicine.
The implementation of this insurance project means that consumers will be able to use many specialty drugs that are not yet on the market in China, and it will be easier to go to Hong Kong for medical treatment.
Yi Xichun, a member of the Party Committee of the Hainan Banking and Insurance Regulatory Office, believes that the implementation of the cross-border medical insurance program for specialty drugs in the Hainan Free Trade Port will effectively promote the two-way circulation of incoming foreign doctors. “and domestic patients” going out “, and will promote improvement Health insurance protection and service levels have laid the foundation for the Hainan Free Trade Port to further explore the” cross-border insurance + cross-border medical treatment “model .
Specifically, in terms of “special medical” protection, the insurance includes the costs of treating specific diseases of the 4 super hospitals in the advanced Lecheng area in the insurance coverage, covering multiple elements of diagnosis, treatment and nursing, and also can arrange for the insured to go to Hong Kong to seek medical treatment and provide services such as direct payment of claims.
Furthermore, Haibao Life Deputy General Manager Huang Xi noted that the project also introduces Hong Kong doctors to register and practice in Qiong, conducting joint online and offline consultations with critically ill patients insured by domestic doctors and foreign.
In terms of guarantee of “special drugs”, the project covers 51 types of unlisted domestic specialty drugs and 21 domestic specialty drugs with a total guarantee of 1 million yuan.
At present, the national market for specialty drugs faces many difficulties. Specialty drugs are expensive and have a long period of use. Health insurance policies restrict reimbursement for specialty medications. Channels for purchasing specialty drugs are limited. Many drugs can only be purchased at DTP pharmacies or overseas channels. These have become weak points in the national market for specialty drugs.
Industry experts believe that the Hainan free port special medical specialty drugs cross-border medical insurance program can effectively alleviate the current high prices of domestic specialty drugs, medical insurance reimbursement restrictions and limited purchase channels, and make globally innovative medicines and medical devices more widely available. It benefits ordinary people.
Huang Xi said that there is another important feature of Hainan Free Trade Port’s special medical and special medicine cross-border medical insurance project, which is to highlight the benefits of the people. The minimum monthly premium is only 15 yuan (that is, the annual minimum payment is about 180 yuan), and you can get protection of up to 7 million yuan.
He also gave an example, if a 30-year-old man purchases cross-border medical insurance of special medical special medicine from Haibao Life free trade port, the insurance period is 1 year, the annual premium is 336 yuan, and the monthly premium it is 28 yuan / month.
If, unfortunately, the man is diagnosed with a serious illness, leukemia, he can go to a specific medical institution in the Hainan Boao Lecheng International Medical Tourism Pilot Zone for treatment according to the insurance coverage. If the man’s medical expenses for the treatment of leukemia total 1,135,600 yuan, he will be reimbursed 43,600 yuan for medical insurance, 1,056,700 yuan for cross-border medical insurance for special drugs in the free trade port , and the man’s own expenses will be 35,300 yuan.
Regarding the future development of the health insurance industry, industry analyst Wang Yifeng believes that the upward trend is obvious, and the scale of the industry will expand further. Resident awareness of health insurance has increased significantly since the epidemic. In addition, with the acceleration of the aging process of China’s population, the number of elderly hospitalizations and the need for services for serious illnesses has increased, which has promoted the development of the health insurance industry.
From a political perspective, there are also many advantages. For example, on June 1 of this year the “Master Plan for the Construction of the Free Trade Port of Hainan” was published. The “Plan” calls for accelerating reform and innovation in the financial industry and supporting domestic and foreign insurance institutions to develop cross-border health insurance products. (Caijing New Media Compilation)
