Luwang, December 14 (Reporter Fan Jinxin) "Qilu Bao" is for Shandong Province and Jinan City insured people of the city customized inclusive commercial medical insurance project, in accordance with the "first guidance, market operation, personal voluntary, capital and small profits" principle design, has launched four phases of products, each phase of the program optimization and upgrading, the initial formation of the spring city Jinan characteristics of the commercial medical insurance brand.
At the press conference held by the Provincial Information Office on December 14, Li Wenxiu, Secretary of the Party Group of Jinan Medical Security Bureau, introduced that this year's products have the following four characteristics and advantages.
First, the level of security has been improved. The 2023 version of Qilubao provides support for the masses to enjoy a higher level of ** plan from multiple dimensions such as the cost in the medical insurance catalog, the cost of drugs outside the medical insurance catalog, and the cost of special drugs. The maximum amount of coverage has increased from 3 million last year to 3.45 millionInpatient and outpatient chronic diseases are included in the scope of insurance;Liability.
First, the responsibility of the second line from the previous year's 170,000 yuan, reduced to 140,000 yuan, the beneficiary group expanded;The cost of proton radiotherapy will be included in the reimbursement to provide more options for patients with early- and medium-stage tumors. The preferential plan for those who renew the insurance without compensation has been added, and the original "Qilu Bao 2022" insured personnel renew their insurance, if they do not meet the Qilu Bao compensation standard in 2023, the payment line will be reduced to 5,000 yuan from 2024. The all-round protection improvement of Qilubao 2023 version has built a solid risk resistance barrier for the people of Quancheng.
The second is to care for special groups. In 2024, after the retired servicemen complete the retirement procedures and change jobs, they can purchase Qilu Bao at any time while participating in the basic medical insurance of the province and Jinan CityNewborns born in 2024, if their parents have purchased Qilu Bao 2023 version, can automatically enjoy Qilu Bao protection treatment, and the insurance period is the same as that of ordinary insured persons.
Third, the claim service is convenient. Smooth Qilu insurance compensation system and basic medical insurance information system to achieve effective docking. Empower with science and technology to create a convenient service for the whole process, and achieve "zero advance", "zero errands" and "zero waiting". While enjoying the basic medical insurance reimbursement for local medical treatment, the insured can simultaneously enjoy the "one-stop" compensation of Qilu Bao, which can be settled in real time when discharged, and there is no need for the insured to advance funds and submit claim materialsFor settlement needs such as medical treatment in other places, the insured only needs to apply online through "Qilu Bao"**, and there is no need to bring hospitalization invoices, expense lists and other materials to the commercial insurance agency for claims.
Fourth, the special services are diverse. In addition to enjoying the treatment of Qilu Bao products, the insured can enjoy online and offline discounts on drug purchases, as well as special health services such as health management, AI interpretation of physical examination reports, and examination of Helicobacter pylori (HP) carcinogenic strains.