In a significant move to implement the national strategic deployment of building a multi-level medical security system, ZA ONLINE (06060) is actively participating in Shanghai's pilot program for the integration of basic medical insurance and commercial insurance. Recently, with policy support from the Shanghai Municipal Medical Security Bureau, the company's "Zhong Min Bao" series of products has been included in the payment scope of Shanghai's personal medical insurance accounts. This initiative actively responds to policy-driven innovation in coverage, helps expand the reach of health protection, and better serves the health management needs of insured individuals and their families in Shanghai.
The "Zhong Min Bao" series products now accessible for payment via Shanghai's personal medical accounts include "Zhong Min Bao Million Medical Insurance 2025" and "Zhong Min Bao Mid-to-High End Medical Insurance." A core feature of this series is its "coverage and claims eligibility for individuals with pre-existing conditions," specifically targeting populations who have long faced difficulties in obtaining insurance and lack adequate coverage, such as those with health abnormalities and the elderly. Compared to standard million-yuan medical insurance policies, Zhong Min Bao can cover claims for most pre-existing conditions, offering greater universality and inclusivity.
The "Zhong Min Bao Mid-to-High End Medical Insurance" product gained immense popularity upon its release, with premiums exceeding 140 million yuan across all platforms within just ten days of its launch. In terms of coverage, "Zhong Min Bao Million Medical Insurance 2025" continues the series' hallmark features of low thresholds and high protection: eligible individuals with pre-existing conditions can be covered and file claims, with no occupational restrictions. It allows enrollment and conditional claims for general pre-existing conditions such as the "three highs" (hypertension, diabetes, and hyperlipidemia without complications) and benign nodules. The product's coverage extends both inside and outside the basic medical insurance catalog, with a maximum insured amount reaching 6 million yuan.
Building on the low entry threshold, "Zhong Min Bao Mid-to-High End Medical Insurance" provides more comprehensive coverage. It features a zero deductible for in-patient medical expenses within its coverage scope and expands the claimable range for critical illness treatments to include special needs departments, international departments, and VIP wards of public hospitals, thereby meeting citizens' demand for high-quality medical resources.
Compared to traditional purchasing methods, the inclusion of Zhong Min Bao in the personal medical account payment system represents multiple breakthroughs. Firstly, this service revitalizes dormant funds within personal medical insurance accounts (including residents' medical insurance and the new rural cooperative medical scheme), effectively transforming "small change" into a "major safeguard" for health. Secondly, through differentiated products like "Zhong Min Bao," coverage is extended to relatively underserved groups such as individuals with pre-existing conditions and the elderly, filling a gap in the market.
Furthermore, aligning with the policy direction of the medical insurance system, ZA ONLINE supports insured individuals in using their personal account balances to purchase policies for themselves, their spouses, parents, children, and other family members who have Shanghai medical insurance accounts. This is complemented by exclusive family premium discounts, promoting the realization of "family mutual aid, where one account protects the entire family." This payment method not only helps activate dormant funds in personal medical accounts but also strengthens the family unit's ability to defend against health risks.
In recent years, from the top-level design of the "Healthy China 2030" plan to the ongoing national emphasis on accelerating the construction of a multi-level medical security system, the supplementary role of commercial insurance has become increasingly prominent. As one of China's first internet insurance companies, ZA ONLINE has cumulatively served over 100 million users in the health insurance sector, continuously promoting the popularization of coverage.
Looking ahead, ZA ONLINE will continue to leverage its technological capabilities and business experience to drive the research, development, and implementation of more inclusive and differentiated health insurance products. The company aims to provide more comprehensive and accessible protection for more families, contributing its corporate strength to perfecting a multi-level medical security system with Chinese characteristics and enhancing the health protection standards of the people.
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