The enrollment channel for the 2025 version of “Shanghai Huibao” will officially close on June 30th. As a universal commercial supplementary medical insurance exclusively for Shanghai residents, the 2025 version of “Shanghai Huibao” saw over 4 million insured on its first day and a cumulative payout of more than 2.2 billion yuan over four years. This year, “Shanghai Huibao” has been revamped and upgraded, launching an additional insurance product, “Shanghai Huibao – Specific Disease Insurance,” on the official insurance application channel, the “Shanghai Municipal Services Citizen Cloud” APP. With a daily price of less than 20 cents, it helps insured individuals build a strong defense against high – incidence cancers.
Core Protection of “Shanghai Huibao”
The 2025 version of “Shanghai Huibao” continues to feature “low threshold and high coverage,” with the premium remaining at 129 yuan per person per year. The coverage includes:
Specific self – paid medical expenses for hospitalization: The deductible is at least 10,000 yuan (preferential treatment for continuous insurance participation), with a maximum compensation of 1 million yuan.
Domestic specific high – cost drug expenses: Covering 48 types of special drugs, 0 deductible, with a maximum compensation of 1 million yuan.
Proton and heavy ion therapy cost: 0 deductible, with a maximum compensation of 300,000 yuan.
Overseas special drug expenses: Covering 28 types of special drugs, 0 deductible, with a maximum compensation of 300,000 yuan.
CAR – T treatment drug cost: Covering 4 types of special drugs, 0 deductible, with a maximum compensation of 500,000 yuan.
The participation conditions for the 2025 version of “Shanghai Huibao” are extremely lenient, with no restrictions on age, occupation, household registration, or previous medical history. All participants of Shanghai’s basic medical insurance can take out the insurance. Moreover, it supports using the balance in the personal medical insurance account to pay premiums for the individual and their close relatives (spouse, parents, children, siblings, grandparents, great – grandparents, grandchildren, and great – grandchildren), achieving “family mutual assistance.”
Additional Benefits
Participants of the 2025 version of “Shanghai Huibao” can purchase medicine at well – known chain pharmacies, with a 10% deduction from the settlement price of the medicine. There is no limit to the number of deductions throughout the year, with a maximum deduction of 10,000 yuan (covering over 2,000 + offline pharmacy stores across Shanghai). Enjoy the 7 * 24 – hour online consultation offer from top – tier specialist doctors to meet customers’ daily needs for minor medical treatment and night services. You can also enjoy a 10% discount on imported original drugs for 6 major diseases (three highs, respiratory diseases, cardiovascular and cerebrovascular diseases, children’s diseases, hepatobiliary diseases, orthopedics, and dermatology and infectious diseases) when purchasing online, with free shipping to your home via SF Express.
“Shanghai Huibao – Specific Disease Insurance”
“Shanghai Huibao – Specific Disease Insurance” is an exclusive inclusive product designed for the insured of “Shanghai Huibao.” It targets high – incidence malignant tumors in Shanghai and offers affordable prices to fill the gap in patients’ self – paid medical expenses and enhance the health protection level of Shanghai citizens.
Low premium price: The premium is only 50 yuan per person per year, averaging less than 0.2 yuan per day.
Zero threshold for insurance coverage: Any insured person who purchases the 2025 version of “Shanghai Huibao,” regardless of age or health condition, and has not been diagnosed with malignant tumors or related high – risk diseases in the past, and whose underwriting is approved, can participate in the insurance.
Age classification: The coverage amount is set based on age, with a minimum of 2,000 yuan and a maximum of 200,000 yuan.
Specific disease coverage: Covering the following 11 types of highly prevalent malignant tumors in Shanghai – lung cancer, colorectal cancer, liver cancer, lymphoma, gastric cancer, kidney cancer, leukemia, multiple myeloma, esophageal cancer, breast cancer, and prostate cancer.
Family insurance participation: No additional fees are required. It supports using the balance in the individual medical insurance account to jointly purchase insurance for close relatives.
Typical Claim Examples
“Shanghai Huibao” claim example: Mr. Y, 42 years old, has been insured under “Shanghai Huibao” since 2023 and has taken out the insurance for two consecutive years in 2023 and 2024. Later, he was diagnosed with acute lymphoblastic leukemia. From January 2024 to December 2024, he was hospitalized a total of 9 times, with an out – of – pocket expense of 243,300 yuan. After review, the out – of – pocket liability compensation for hospitalization was 150,700 yuan. Additionally, he purchased the domestic specialty drug belintuozumab 11 times at the pharmacy, with a total cost of 724,100 yuan. After review, 506,800 yuan of the domestic specific high – value drug insurance was paid out. A total of 657,500 yuan was paid out in 2024.
“Shanghai Huibao – Specific Disease Insurance” claim example: Mr. A, 25 years old, insured himself with “Shanghai Huibao – Specific Disease Insurance” in June 2025. During a physical examination in December, a nodule was found in the upper lobe of the right lung. After relevant examinations and a right upper lobe resection, the postoperative pathology was acinar invasive adenocarcinoma. After discharge, he applied for a claim for specific disease insurance and submitted the required materials. After review, an insurance benefit of 100,000 yuan was paid out according to the contract agreement.
Convenient Insurance Participation
From now until June 30th, citizens can use the balance in their medical insurance personal accounts through the “Shanghai Municipal Services Citizen Cloud” APP to enroll themselves and their close relatives in “Shanghai Huibao” and “Shanghai Huibao – Specific Disease Insurance.” The coverage after insurance purchase will take effect uniformly on July 1, 2025, and the coverage period will last until June 30, 2026.
Steps to participate:
Participate in the 2025 version of “Shanghai Huibao” insurance:
- Log in to the “Shanghai Municipal Services Citizen Cloud” APP.
- Click on “Shanghai Huibao” on the home page.
- Select the insured person.
- Read the insurance application instructions.
- Choose the payment method.
- Complete the payment to finish the insurance application.
Participate in “Shanghai Huibao – Specific Disease Insurance”:
Log in to the “Shanghai Municipal Services Citizen Cloud” APP.
Enter “Shanghai Huibao” in the search box on the home page.
Click on “Shanghai Huibao – Specific Disease Insurance” to enter the insurance application page.
Select the insured person (Note: Only insured persons who have purchased the 2025 version of “Shanghai Huibao” can be insured) and check “Health Declaration.”
Read the insurance application instructions.
Select the payment method.
Complete the payment to finish the insurance application.
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