New China Life Insurance has introduced its latest innovation for the year – “Medical Worry-Free Medical Insurance.” As a leading national large – scale life insurance enterprise in China, New China Life Insurance has launched a “product + service” dual – wheel driven medical security solution, making it a focal point in the insurance market.
Background of DRG/DIP Payment Reform
To further promote the reform of the social medical system and effectively address the prominent issue 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 Medical Insurance has created a five – level risk “defense shield” and added exclusive health services. Families can enjoy discounts when purchasing it, making it an ideal choice for consumers to upgrade their medical protection.
Five – Level Risk Defense Shield
Shield of Medicine and Equipment: Medical Worry – free extends coverage to drugs and medical devices purchased outside the hospital during hospitalization and specific outpatient and emergency visits. This provides a broader range of drug and medical device options, enabling patients to enjoy better disease diagnosis and treatment outcomes.
Shield of Special Needs: The addition of special needs protection for critical illnesses meets users’ demands for high – end medical services and advanced medical resources. Approved hospitals’ special needs departments or international departments offer personalized diagnosis and treatment services.
Shield of Deductible: The small hospitalization coverage solves the problem of self – borne medical expenses under 10,000 yuan in traditional million medical insurance. Medicine Worry – Free offers a minimum compensation of 0 yuan (50% compensation ratio) for general medical expenses within the credit limit.
Shield for Medical Treatment: Medical Worry – Free adds a guarantee for medical treatment in different places for serious diseases. This reimburses transportation and accommodation expenses for seeking better treatment at high – quality medical institutions in other places.
Shield of Cancer: For malignant tumors, Medicine provides strong support, including over 380 anti – tumor drugs and medical devices. It also offers genetic testing and advanced medical devices for malignant tumors, bringing patients better treatment outcomes and hope for survival.
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 ensure the completeness of treatment plans and accessibility of drugs.
Payment: Innovative multi – payment planning service with professional guidance on charitable drug donation (PAP) applications, helping patients save on medical expenses.
Conclusion
Medical Worry-Free is an innovative product jointly developed and operated by New China Life Insurance, China Reinsurance Life Insurance, and Meixin Health. It integrates market analysis, product development, and professional health management advantages to provide comprehensive health protection. This product aims to meet the growing demand for high – quality medical services and support the development of a multi – level health security system.
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