Everything you need to know about the Huhuibao insurance plan
What is Huhuibao (沪 惠 保)?
This is private and budgetary supplementary medical insurance coverage for residents of Shanghai. It literally means “insurance that benefits the people”.
Who can buy it?
Anyone who participates in the city’s social health insurance program is eligible.
There are no restrictions on age or profession.
Expats covered by local health insurance are “theoretically eligible,” but the registration system has not yet been opened to them, said an official at China Pacific Life Insurance, one of Huhuibao’s main underwriters.
How much does it cost?
It costs 115 yuan (US $ 18) per person per year, or about 4.93 cents per day.
Who buys it?
Huhuibao has received some 7.39 million registrations since its launch in April 2021, which means one in three people in Shanghai have bought it.
Of these, more than 5 million registrations were recorded in the first two weeks, a record increase. Young Chinese born in the 1980s have shown keen interest in the plan.
What does it cover?
Huhuibao pays up to 2.3 million yuan in compensation for medical expenses, and mainly covers self-funded medical expenses by hospitals, high drug costs, proton and heavy ion medical care, and other treatments.
How to make a complaint?
Complaints can be made online through Huhuibao Official WeChat Account or Government Online-Offline Shanghai App (一 网通 办).
How does it work now?
At the end of December, more than 89,000 claims had been accepted for a cumulative amount of 378 million yuan, according to the latest official data on the product.
And about 54.8% of complaints are made by women compared to 45.2% by men.
The three main evils for complaints
The “big three”, namely diseases of the muscular system and connective tissue, cancer and cardiovascular diseases, accounted for the vast majority of claims during the period July-December (37.07%, 35.53% and 7.7%, respectively).
Cancer facts for men and women
The three most common cancers in men were lung, stomach, and thyroid cancers, while lung, breast, and stomach cancers accounted for over 80 percent of all cancers in men. women.
Is it worth buying?
It depends on your health and your economic situation as well as private insurance packages.