Ping An Launches “Yi Wu You · Zero Deductible Health Insurance (Flagship Edition)” with Specialty Drug Services Provided by MediTrust Health

Recently, Ping An Insurance officially launched an upgraded insurance product titled “Yi Wu You · Zero Deductible Health Insurance (Flagship Edition)”. This new edition delivers significant enhancements across multiple dimensions, including reimbursement ratios, specialty drug coverage, and medical services, offering consumers more comprehensive health protection. The product is available to individuals from 28 days to 65 years old, with coverage renewable up to the age of 99—achieving true full-life-cycle protection.

In terms of specialty drug coverage, the “Yi Wu You · Zero Deductible Health Insurance (Flagship Edition)” introduces professional service support from MediTrust Health. Leveraging MediTrust Health’s robust pharmaceutical supply chain and resource integration capabilities, the product offers comprehensive specialty drug protection. It covers over 200 domestically approved specialty drugs with a reimbursement rate of up to 100%, while also expanding access to overseas specialty drugs, including 50 urgently needed imported medications. Additionally, the product extends coverage to 813 types of outpatient prescription drugs, incorporating high-quality resources such as originator drugs and imported medical devices. This not only alleviates patient concerns but also enhances clinical treatment effectiveness through a broader selection of pharmaceuticals and devices. With MediTrust Health’s service support, patients can promptly and conveniently access internationally innovative medications, effectively overcoming geographic and resource limitations—enabling access to world-class medical resources within China.

The product also features a significant upgrade to its medical service offering: the introduction of the “One-Code Direct Payment” service, designed to help patients efficiently manage the financial strain associated with hospitalization. With this service, a single QR code can be used to cover both treatment costs and deposits. It is available from the patient’s first hospital admission, allowing them to apply without the need for upfront payments. Under this system, patients are granted a full credit limit based on their medical bills, eliminating the need to use their own funds in advance. Once the direct payment criteria are met, there are no barriers or thresholds to accessing medical funds, effectively easing the burden of out-of-pocket expenses and reducing the stress of seeking treatment—enabling patients to focus solely on their recovery. Thanks to targeted and fixed-amount payment mechanisms, the entire risk is controllable, and approvals can be granted within seconds. The strong timeliness of the process ensures a smooth and seamless customer experience.

Backed by its deep expertise and strong capabilities in medical resources, pharmaceutical supply, and technology empowerment, MediTrust Health provides solid support for the successful operation of Ping An’s “Yi Wu You · Zero Deductible Health Insurance (Flagship Edition)”. The powerful alliance between the two parties not only enhances the product’s competitiveness but also delivers a higher-quality and more efficient service experience for customers.