On May 7, the 2026 «Shenzhen Huiminbao» was officially launched for enrollment. From now until June 30, all Shenzhen basic medical insurance participants and individuals with Shenzhen household registration covered by medical insurance from other regions can enroll, regardless of age, occupation, or health status.
«Shenzhen Huiminbao» maintains a premium of 88 yuan per person per year, unchanged, with six coverage benefits and an annual coverage amount exceeding 4 million yuan. It focuses on key areas such as incentives for continuous enrollment, coverage for major and critical illnesses, support for innovative drugs and medical devices, and warm livelihood services, building a universal medical insurance network covering diagnosis, treatment, medication, care, and childbirth.
This year, «Shenzhen Huiminbao» has adjusted its benefit tiers by further reducing deductibles and increasing reimbursement rates. For continuous enrollees, the reimbursement rate for «medical insurance catalog cost coverage» can reach up to 90%, achieving a system where «the longer you pay, the lower the threshold, and the higher the reimbursement.» For example, Benefit One, «medical insurance catalog cost coverage,» has a reimbursement rate of 80%, rising to 85% for those enrolled for two consecutive years, and to 90% for those enrolled continuously in 2023, 2024, and 2025 with no claims. Benefit Two, «coverage for out-of-pocket hospitalization costs for compliant drugs, consumables, treatments, and tests,» has a reimbursement rate of 70%, rising to 75% for those enrolled continuously in 2023, 2024, and 2025 with no claims.
The 2026 «Shenzhen Huiminbao» continues to expand the scope of rare disease special benefits, increasing from 9 diseases and 10 medications to 12 diseases and 14 medications, with a maximum payment rate of 70% and an annual payment cap of 600,000 yuan. Additionally, in 2026, «Shenzhen Huiminbao» adds a new hospitalization care companion benefit. Enrollees hospitalized in designated medical institutions piloting companionship care services in the city and settling those costs directly through the institution can receive a nursing special benefit of 50 yuan per day (with an annual maximum of 3 days), bringing «Shenzhen warmth» to universal insurance.
Furthermore, the 2026 «Shenzhen Huiminbao» introduces a new assisted reproduction special benefit. For citizens who have participated in «Shenzhen Huiminbao» for three consecutive years, personal out-of-pocket costs for assisted reproduction diagnostic and treatment items within the Guangdong Province basic medical insurance catalog, incurred during hospitalization or outpatient treatment for specific diseases at designated medical institutions in the city or outside, will be reimbursed at 100% with no deductible, supporting the improvement of the fertility support system.
The «Hong Kong-Macao Drug and Medical Device Connect» special benefit has also been upgraded, with designated medications increasing to 22 types and including 70 medical devices from the «2025 Edition of the Catalog of Clinically Urgent Imported Hong Kong and Macao Drugs and Medical Devices for the Nine Cities in the Greater Bay Area,» with an annual maximum reimbursement of 500,000 yuan. This allows enrollees to access and afford cutting-edge, high-value innovative drugs and medical devices close to home.
As a universal commercial health insurance product, the 2026 «Shenzhen Huiminbao» will continue to deepen the «one-stop» direct claim settlement service, which now covers over 8,000 designated medical institutions in Shenzhen and networked settlement platform hospitals across Guangdong Province. Enrollees can have their medical insurance costs and Huiminbao claim costs settled simultaneously upon discharge. Over the past three years, the proportion of «one-stop» claims has reached as high as 99%.
In terms of digital services, the «Shenzhen Huiminbao» WeChat public account has integrated an AI intelligent assistant based on large model technology. Citizens can click the AI icon on the page to access 24/7 personalized policy consultations, claim guidance, and enrollment assistance, significantly improving service response speed and accuracy.
Notably, the scope of family co-payment for individual medical insurance accounts in 2026 has been further expanded. Enrollees can not only use their medical insurance account balance to pay premiums for themselves and their direct relatives but also for other close relatives (such as siblings, grandparents, grandchildren, and great-grandchildren), enhancing the overall level of family protection.
Shenzhen’s basic medical insurance plus «Shenzhen
