Dalian Binhuibao Officially Launched: HeartMed International Powers Inclusive Insurance Expansion
On February 2, “Dalian Binhui Bao,” an inclusive supplementary medical insurance product, was officially launched. The initiative received joint support from the Dalian Municipal Financial Bureau and the Administrative Committee of Dalian High-Tech Industrial Zone. It is jointly underwritten by Taikang Online Property & Casualty Insurance, China Pacific Property Insurance, and China Life Property & Casualty Insurance, with technical services provided by Xinyi International, Asia-Pacific Insurance Brokers, and Tencent WeSure.
At the event, Chi Yuan, former Deputy Director of the High-Tech Zone Administrative Committee, stated, “As an inclusive supplementary medical insurance product designed for Dalian residents under policy guidance, ‘Bin Hui Bao’ closely aligns with basic social medical insurance. It fully integrates the convenience, accessibility, and broad coverage of online platforms with the inclusiveness, protection, and service orientation of insurance, thereby providing fundamental health services to the citizens of Dalian.”
“Bin Hui Bao” is an innovative initiative undertaken by Dalian in active response to the “Healthy China” strategy. Driven by institutional and mechanistic reforms, it focuses on promoting healthy lifestyles, optimizing health services, strengthening health security, and developing the health industry, thereby contributing to the comprehensive establishment of a multi-tiered medical security system.
In terms of integration with basic medical insurance, “Bin Hui Bao” can fill the coverage gap for out-of-pocket expenses within the medical insurance catalog that citizens face when confronted with high medical costs. Meanwhile, it extends commercial insurance coverage to vulnerable groups, including the elderly, persons with disabilities, migrant populations, and low-income individuals. Adhering to the principles of health priority, reform and innovation, and fairness and justice, it contributes to improving public welfare protection.
Regarding pricing, "Bin Hui Bao" adheres to the principles of "affordable pricing, seamless integration with basic medical insurance, simplicity and clarity, and convenient services." By coordinating local promotional resources and leveraging support from official local platforms, it actively encourages broad public participation. Through the application of the law of large numbers, it effectively reduces the cost of commercial insurance products. All participants in Dalian’s Basic Medical Insurance are eligible for coverage, regardless of age, occupation, household registration (hukou), or health status. For a uniform annual premium of RMB 79, insured individuals can obtain up to RMB 3 million in insurance coverage, thereby achieving the public-benefit goal of "low premiums and comprehensive protection."
Meanwhile, promoting Dalian’s city-specific customized commercial medical insurance also facilitates the widespread dissemination of insurance awareness and knowledge. On one hand, it provides optional coverage to help residents mitigate the financial risks associated with major medical expenses; on the other hand, it helps residents correctly understand social insurance and commercial insurance, enabling them to fully comprehend social security while strengthening their awareness of comprehensive personal risk management.
At the launch ceremony, Liu Peng, Senior Vice President of Winning Health Technology Group, introduced that eligible "Bin Hui Bao" policyholders can access free remote consultation services at 31 designated hospitals in the city as early as three working days after submitting their applications. This eliminates the need for travel to other regions or waiting in line for appointments, enabling easy scheduling of collaborative online consultations between renowned out-of-town specialists and local experts and physicians. Patients can obtain more precise diagnosis and treatment plans with reduced time, effort, and financial costs, making healthcare more affordable, time-efficient, and worry-free.
As the technical support provider for Binhui Bao, the Xinyi Cloud Platform has covered 31 provinces across China and more than 20,000 medical institutions, with its abundant medical resources being widely recognized.
Therefore, while actively helping medical institutions leverage information technologies such as medical cloud and the internet to expand the scope and content of healthcare services, and building an online-offline integrated healthcare service model covering pre-diagnosis, during-diagnosis, and post-diagnosis stages, Heart Doctor International has also been committed to leveraging its own experience and resource advantages to actively construct a comprehensive service system spanning the pharmaceutical, medical, and insurance industries, thereby achieving a closed-loop value chain.
In the development of insurance products, Xinyi International actively leverages medical big data to analyze users’ healthcare-seeking patterns and disease diagnosis and treatment models. By developing diverse products tailored to meet the market needs of different customer segments, the company achieves differentiated competition and enhances customer conversion rates. Currently, Xinyi Insurance provides access to renowned Grade A tertiary hospitals across China, offering specialized telemedicine services such as remote second opinions for cancer from leading national experts in respiratory medicine, oncology, and pathology, as well as green-channel facilitation for hospitalization.
Including products such as Binhui Bao, Xinyi International aims to provide residents with services like remote consultations, medication payment assistance, and charitable drug donation support. By covering all stages of disease prevention, analysis, diagnosis, and treatment, the company seeks to effectively enhance residents’ healthcare management capabilities, control the onset and progression of diseases, significantly reduce actual medical expenditures, and thereby implement the Healthy China strategy.
