The 2026 edition of the "Shenzhen Huimin Bao" insurance program was officially launched this morning. The product is guided by the Shenzhen Medical Security Bureau, the Shenzhen Local Financial Administration, and the National Financial Regulatory Administration's Shenzhen bureau. It is jointly underwritten by a consortium of five insurance companies, including the Shenzhen branch of China Life Insurance Company. Leading domestic AI healthcare firm YIDU TECH (02158) has served as the primary operating platform for the project for the fourth consecutive year, providing essential digital and operational support for the program's smooth implementation, efficient operation, and service enhancements.
The inclusive coverage continues to be upgraded, with digital services accelerating further. According to the project team, enrollment in "Shenzhen Huimin Bao" has exceeded 6 million people for three consecutive years, covering approximately 35% of Shenzhen's basic medical insurance participants, ranking among the top nationally. As of the end of April 2026, the program has paid out claims for over 500,000 instances, with the highest cumulative claim amount for a single individual reaching 1.8 million RMB. Beneficiaries have ranged from a one-month-old infant to a 103-year-old senior, achieving seamless protection across all age groups and life stages.
The 2026 "Shenzhen Huimin Bao" maintains its premium of 88 RMB per person per year. It offers six types of coverage benefits, with an annual sum insured exceeding 4 million RMB. Focusing on the core principles of "lowering thresholds, expanding scope, covering major illnesses, and optimizing services," the program targets key areas such as incentives for continuous enrollment, coverage for critical illnesses, support for innovative drugs and medical devices, and public welfare services. It builds a comprehensive, inclusive medical security network covering the entire process from diagnosis and treatment to medication, care, and maternity, effectively reducing medical burdens and enhancing the sense of security for participants.
As a government-guided, commercially-operated inclusive health insurance product, the 2026 "Shenzhen Huimin Bao" will continue to deepen its "one-stop" direct claim settlement service. This service currently covers over 8,000 designated medical institutions within Shenzhen and hospitals on the Guangdong provincial online settlement platform. Participants can achieve simultaneous settlement of medical insurance costs and Huimin Bao claim payments upon hospital discharge. Over the past three years, "one-stop" claims have accounted for 99% of all claim instances, realizing the goal of "settlement upon discharge."
Digital services have been upgraded concurrently. The official enrollment platform, the "Shenzhen Huimin Bao" WeChat public account, has integrated an AI assistant based on large language model technology. Citizens can simply click the AI icon on the page to receive personalized policy consultations, claim guidance, and enrollment assistance 24/7, significantly improving service response speed and accuracy.
YIDU TECH has provided comprehensive professional support as the primary operating platform for the fourth year. The company has long been dedicated to the core AI healthcare sector, with a comprehensive layout across the entire "medical-pharmaceutical-insurance-patient" health ecosystem, continuously accelerating the deep integration of AI technology into real-world medical scenarios.
In the field of insurance technology, leveraging its "AI Medical Brain" YiduCore, the company has built intelligent models and capabilities for risk prediction and management for ultra-large populations numbering in the tens of millions. It provides end-to-end services including product design, system construction, platform operation, marketing promotion, intelligent customer service, and intelligent claims processing, offering a one-stop solution for city-based inclusive insurance programs and enhancing insurance operational efficiency through technological empowerment.
Centered on all business aspects of "Shenzhen Huimin Bao," YIDU TECH has established a technology-driven, process-standardized, and service-refined full-process operational management system, continuously contributing to the quality improvement and expansion of Shenzhen's multi-level medical security system. The consistent enrollment exceeding 6 million people for three years stands as strong evidence of YIDU TECH's refined, professional, and digital operational capabilities.
To date, YIDU TECH has been deeply involved in the development and operation of "Huimin Bao" projects in 5 provinces and 13 cities, cumulatively serving over 45 million enrolled users. Using AI technology as a key tool, the company continues to strengthen the inclusive health security防线 for millions of households across the country.
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