The China Banking and Insurance Regulatory Commission (CBIRC) and National Healthcare Security Administration (NHSA) have issued a notification outlining measures to ensure a stable and orderly implementation of urban ‘Huiminbao’ commercial top-up medical insurance schemes. The notice is open for feedback from insurance companies and industry associations nationwide.
The document clarifies that Huiminbao schemes are designed to cover reasonable medical expenses not included in the Basic Medical Insurance (BMI) scheme, aiming to complement patient and government payments and reduce out-of-pocket costs for patients. Participation in the schemes is voluntary, and no region is allowed to mandate Huiminbao scheme membership. Health authorities are also prohibited from incorporating Huiminbao-related insurance tasks into the performance assessments of grassroots facilities. It is essential to clearly communicate the differences between supplementary Huiminbao insurance schemes and BMI schemes to prevent public misunderstanding.
The document encourages employers to take advantage of preferential tax policies to purchase group Huiminbao insurance, adhering to the principle of individual voluntary participation. Insurance companies are urged to design long-term medical insurance with adjustable rates, which can be categorized into liability levels or rate groups based on risk assessment. Discrimination in pricing for patients with pre-existing conditions is not permitted, and the deductible and compensation ratios can be adjusted as appropriate. The document also emphasizes the secure use of BMI data, requiring insurance companies to ensure that BMI data is used within prescribed domains and remains inaccessible for the development of customized insurance plans.
Furthermore, the document highlights the need for reasonable planning and promotion efforts when implementing Huiminbao projects in various regions. Where feasible, projects can be executed on a unit-by-unit basis within jurisdictions. After conducting feasibility studies and risk assessments, each region is limited to one project. The public data indicates a proliferation of Huiminbao products across provinces and cities, with some cities offering multiple such products. According to the documents, these insurance products will be consolidated in the future. Less developed regions may postpone the implementation of Huiminbao.- Flcube.com
