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办理深圳2026-2027年度“惠民保”通知

  • 2026-05-27 20:24:43
办理深圳2026-2027年度“惠民保”通知

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深圳“惠民保”是由中国人寿、人保健康、太平洋财险、人保财险、平安健康险5家保险公司共同承保，由深圳市医保局、深圳市地方金融监管局、国家金融监督管理总局深圳监管局共同指导的普惠型商业补充医疗保险。保费标准为88/人/年，旨在助力深圳多层次医疗保障体系建设，有效减轻重特大疾病患者医疗费用负担。
2026年深圳“惠民保”在2025年的保障基础上进一步升级，主要变化如下：
一、连续参保报销更多
  1. 惠民保就”医保目录内费用保障”的报销比例为80%，如参保人连续2年参保，该比例将提升至85%；如参保人2023年、2024年、2025年连续三年参保且无理赔，则该比例提升至90%。
  2. 惠民保就“住院自费合规药品、耗材、诊疗及检验检查费用保障”的报销比例为70%，如参保人2023年、2024年、2025年连续三年参保且无理赔，则该比例提升至75%。
  3. 惠民保对“门诊自费合规药品保障”的免赔额从3.1万元降低至2.5万元，连续参保免赔额进一步降至2万元，连续参保报销比例从50%提升至60%。
  4. 惠民保对“港澳药械通费用保障”的免赔额从3.1万元降至2万元，连续参保免赔额进一步降至1万元（降幅超66%），连续参保报销比例从50%大幅提升至70%。
二、罕见病与港澳药械通持续拓展
惠民保在2026年持续拓宽罕见病专项待遇保障范围，从9种病种10个药品扩容至12种病种14个药品；“港澳药械通”指定药品由15个增至22个。惠民保亦纳入《粤港澳大湾区内地九市临床急需进口港澳药品医疗器械目（2025版）》中收录的70种医疗器械，提升了医疗保障可及性。
三 、新增免陪照护保障
为缓解市民“一人住院、全家受累”的照护痛点，惠民保新增住院免陪照护保障，参保人按规定在本市开展免陪照护服务试点的定点医疗机构住院，并通过医疗机构直接结算的免陪照护服务费用，可享受50元/天的护理专项保障（年度最高支付3天），此将切实减轻参保人住院期间因照护产生的经济负担。
四、辅助生殖专项保障
惠民保新增辅助生殖专项保障，对于连续3年参加“深圳惠民保”的市民，在本市及市外定点医疗机构住院和进行门诊特定病种治疗，发生的属于广东省基本医保目录内辅助生殖的诊疗项目个人自付部分，免赔额为0元，报销比例100%；同时，今年对于符合条件的参保人，在本市指定医院确因病情需要使用“港澳药械通”范围内的“抗D免疫球蛋白”药品时，继续享受0免赔额，报销比例则从70%升至100%。
附：惠民宝投保操作指南
一、适用人群
正常参加并缴纳深圳医保的人员或正常参加并缴纳异地医保的深圳户籍人员均可以参保，不限参保年龄、不限职业和健康状况，赔付比例一致。
二、投保时间
2026年5月7日至6月30日（团体及个人参保均为此时间段）。
三、投保方式
  1. 个人参保
    参保人可通过医保个账余额为或微信等线上支付方式为本人及符合参保条件的近亲属（包括配偶、父母、子女、兄弟姐妹、祖父母、外祖父母、孙子女，外孙子女）投保缴费。已开通“自动重新参保”服务和预约参保的参保人，系统将于2026年5月7日至2026年5月12日期间为其自动划扣保费。如因余额不足导致扣费失败，参保人将会收到短信通知，届时参保人需在参保期内主动通过“深圳惠民保”公众号内的参保入口手动操作完成参保。
  2. 团体参保
    用人单位可在深圳市医疗保障局官网或深圳市社会保险基金管理局官网，通过“单位网上服务系统”选择“深圳惠民保单位参保”提交参保名单，申报成功后点击“参保缴费”确认参保名单并完成缴费操作。
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  1. CONNECT:[ UseTime:0.001093s ] mysql:host=127.0.0.1;port=3306;dbname=c460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001637s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000806s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000789s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001638s ]
  6. SELECT * FROM `set` [ RunTime:0.000595s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001821s ]
  8. SELECT * FROM `article` WHERE `id` = 596319 LIMIT 1 [ RunTime:0.005106s ]
  9. UPDATE `article` SET `lasttime` = 1780013134 WHERE `id` = 596319 [ RunTime:0.010748s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000663s ]
  11. SELECT * FROM `article` WHERE `id` < 596319 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001227s ]
  12. SELECT * FROM `article` WHERE `id` > 596319 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001181s ]
  13. SELECT * FROM `article` WHERE `id` < 596319 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001586s ]
  14. SELECT * FROM `article` WHERE `id` < 596319 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001704s ]
  15. SELECT * FROM `article` WHERE `id` < 596319 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.013819s ]
0.241554s