Low Premium, High Insurance Eases Difficulties of Ill, Impoverished Women in Jinjiang, SE China

November 15, 2019
Editor: Wei Xuanyi
Low Premium, High Insurance Eases Difficulties of Ill, Impoverished Women in Jinjiang, SE China
To help women in need, the Women's Federation of Jinjiang City took the lead in Fujian Province to work out a health insurance plan customized for particularly impoverished women who receive minimum living allowance. [Tuchong]

 

"Thanks to the insurance offered by the Women's Federation of Jinjiang City, my mother received 130,000 yuan (US $18,425.60) in a timely manner, which was a great relief for our family," said a woman surnamed Zhang, whose mother was diagnosed with breast cancer that cost the family over 300,000 yuan (US $42,520.62) for treatment.

Owing to the women's health insurance for particularly impoverished women launched by the Women's Federation of Jinjiang City in Southeast China's Fujian Province and the Jinjiang Branch of PICC Property and Casualty Company Limited, Zhang's family got through the difficulties.

The incidence of breast cancer and cervical cancer poses a huge threat to women's health.

To help women in need, the Women's Federation of Jinjiang City took the lead in Fujian Province to work out a health insurance plan customized for particularly impoverished women who receive minimum living allowance.

Purchase of the health insurance for impoverished women by the city's women's federation was included in the people's livelihood projects of the Jinjiang Government for two consecutive years from 2017 to 2018, said Xu Qingxin, President of the federation.

After two years of pilot work, the federation helped purchase insurance for 2,410 impoverished women in the city earlier this year, and the government paid the premiums.

"In the past three years, the local government has paid for health insurance for women who receive minimum living allowance, who have only one or two daughters, and who have lost their only children, to a total of 2.3 million yuan (US $325,991.42)," Xu added.

Meanwhile, women aged 16- to 65 in the city can purchase the insurance at their own expense. Each year's premium is 100 yuan (US $14.1), and the maximum amount of coverage available is 150,000 yuan (US $21,260).

The project is one of the poverty-alleviation measures implemented by the federation to protect the lives of women with major diseases, especially impoverished women, and it prevents rural families from falling back into poverty due to illness.

The customized insurance for women features a low premium and high security. "This year, we chose the insurer through bidding, and we increased the number of particular diseases eligible for coverage," said Ding Yumei, Vice-President of the city's women's federation. Since its launch, the program has attracted more than 10,000 people to pay for the insurance in just over a month.

"In 2017 and 2018, 15 women received a total of 2.09 million yuan (US $296,226.99) in claims, allowing them to get timely medical treatment and reduce the burden on the family," Ding added.

The insurance company has also established a fast claim channel for low-income households and impoverished women to provide high-quality service in time.

In addition, to help women in rural areas raise their insurance awareness, presidents of the women's federations of the villages in the city explained the insurance policy from house to house so that more women know its benefits.

"The insurance and claims are not limited to households with registered permanent residence. People with a residence permit in Jinjiang can also purchase the insurance," Ding said.

 

(Source: China Women's News/Translated and edited by Women of China)

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