On June 6th, New China Life Insurance unveiled its innovative product for the year – “Medical Worry-Free Medical Insurance” (hereinafter referred to as “Medical Worry-Free”). As a leading national large – scale life insurance enterprise in China, New China Life Insurance has seized the direction of the national medical insurance payment method reform and launched a medical security solution driven by “products + services” in a dual – wheel manner.
Background of DRG/DIP Payment Reform
To further promote the reform of the social medical system and effectively address the problems of “difficulty and high cost in seeking medical treatment,” the National Healthcare Security Administration has issued the “Notice on Printing and Distributing the Three – Year Action Plan for the Reform of DRG/DIP Payment Methods” (Yibao Fa [2021] No. 48). This plan aims to build a new three – dimensional health security pattern featuring “basic medical insurance as a safety net and commercial insurance at different levels for supply.” This move is expected to stimulate higher demand for commercial medical insurance among consumers with purchasing power, promoting the development opportunities of commercial health insurance.
Core Advantages of Medical Worry-Free
Medical Worry-Free focuses on responsibilities such as out – of – hospital drugs and medical devices, critical illness special needs, and small – scale hospitalization. It creates a five – level risk “defense shield” and adds exclusive health services.
Five – Level Risk Defense Shield
Shield of Medicine and Equipment: Extends coverage to drugs and medical devices purchased outside the hospital during hospitalization and specific outpatient and emergency visits, providing a broader range of drug and medical device options.
Shield of Special Needs: Adds special needs protection for critical illnesses, allowing access to high – end medical services and advanced medical resources in special medical areas.
Shield of Deductible: Offers a minimum compensation of 0 yuan (50% compensation ratio) for general medical expenses within the credit limit incurred in the general departments of recognized hospitals, solving the problem of self – borne expenses under 10,000 yuan in traditional million medical insurance.
Shield for Medical Treatment: Adds a guarantee for medical treatment in different places for serious diseases, reimbursing transportation and accommodation expenses for seeking better treatment at high – quality medical institutions in other places.
Shield of Cancer: Provides strong support for malignant tumors, covering over 380 anti – tumor drugs and medical devices, including over 190 original research drugs, 6 CAR – T drugs, and 88 urgently needed imported drugs. It also offers genetic testing and advanced medical devices for malignant tumors.
Exclusive Health Services
New China Life Insurance has partnered with Meixin Health to integrate the green channel resources of over 1,700 top – tier hospitals across the country, creating a full – process health management service system. This includes:
Critical Illness Medical Treatment: Full – chain support including expert appointments, MDT multidisciplinary consultations, professional accompaniment services, and inpatient coordination.
Medication for Malignant Tumors: “Global Drug Search” and “Direct Payment for Special Drugs” services to ensure the completeness of treatment plans and accessibility of drugs.
Payment: Innovative multi – payment planning service, including professional guidance on charitable drug donation (PAP) applications, helping patients save on medical expenses.
Future Outlook
Medical Worry-Free is a collaborative effort between New China Life Insurance, China Reinsurance Life Insurance, and Meixin Health. The three parties will continue to focus on the health needs of the people, expand the ecosystem and circle of friends in the health and medical industry, and strengthen cooperation with high – quality domestic medical, pharmaceutical, and health management enterprises. Through an ecological closed loop of “health insurance + health management + medical services,” they aim to provide integrated solutions covering protection, health, medical care, rehabilitation, and nursing, contributing to the Healthy China strategy.
Important Notes
Medical Worry-Free Medical Insurance includes general medical expense insurance benefits (covering small hospitalizations) and optional critical illness special medical expense insurance benefits.
This material is for reference only. Product liability, liability exemption, and other contents shall be subject to the terms and the formal insurance contract. Health services are subject to the product service manual.
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