ZA ONLINE (06060) promotes the deep integration of "medical insurance + commercial insurance" "Zong Min Bao" series included in Shanghai medical insurance personal account payment scope.

In order to further implement the national strategic deployment of building a multi-level medical insurance system, ZA ONLINE (06060) actively participated in the Shanghai "Medical Insurance + Commercial Insurance" integration pilot. Recently, with the support of the Shanghai Medical Insurance Bureau, ZA ONLINE's "Zhongminbao" series of products have been included in the scope of personal account payment for Shanghai medical insurance, actively responding to policy incentives to promote insurance innovation and help expand health coverage to better serve the health management needs of insured individuals and their families in Shanghai. The "Zhongminbao" series of products that ZA ONLINE has connected to the Shanghai medical insurance personal account payment service include the "Zhongminbao Million Medical Insurance 2025" and "Zhongminbao High-end Medical Insurance". These products, with the core feature of "insured and claimable with pre-existing conditions", focus on covering the health abnormalities and elderly population who have long faced difficulties in obtaining insurance and lack of protection. Compared to regular million medical insurance, Zhongminbao is able to reimburse most pre-existing conditions, making it more universal and inclusive. The "Zhongminbao High-end Medical Insurance" became an online hit immediately upon launch, with total premiums exceeding 140 million RMB in just ten days. In terms of coverage, the "Zhongminbao Million Medical Insurance 2025" continues the series' consistent low threshold and high protection characteristics: those with conditions can be insured and claimed with pre-existing illnesses, with no occupation restrictions. For conditions such as the "three highs" (hypertension, diabetes, hyperlipidemia without complications), benign nodules, etc., all can be insured and claimed under certain conditions. The product covers both medical insurance catalog and non-catalog items, with a maximum coverage of 6 million RMB. On the other hand, the "Zhongminbao High-end Medical Insurance" provides more comprehensive protection on the basis of low threshold for insurance. It offers zero deductible for inpatient medical treatment within the responsibilities, and expands the scope of critical illness treatment claims to the special needs department, international department, VIP department of public hospitals, meeting the demand of citizens for high-quality medical resources. Compared to traditional purchasing methods, the inclusion of Zhongminbao in medical insurance personal account payment has achieved multiple breakthroughs. Firstly, this service revitalizes the accumulated funds in the personal medical accounts (including resident medical insurance, new rural cooperative medical system), transforming "small amounts" into "big protections" for health. Secondly, through differentiated products like Zhongminbao, protection is extended to those with pre-existing conditions or old age who have relatively insufficient protection, filling in market gaps. Furthermore, in accordance with the medical insurance policy direction, ZA ONLINE supports insured individuals in using personal account balances to insure themselves, spouses, parents, children, and other family members with Shanghai medical insurance accounts. It also provides family-specific rate discounts, promoting the realization of "family mutual aid, one account for the whole family". This payment method not only helps to invigorate the accumulated funds in medical insurance personal accounts but also strengthens the ability to defend against health risks at the family level. In recent years, from the top-level design of the "Healthy China 2030" outline to the continuous emphasis at the national level on accelerating the construction of a multi-level medical insurance system, the complementary role of commercial insurance is increasingly prominent. As one of the first internet insurance companies in China, ZA ONLINE has served over 100 million users in the health insurance field, continuously promoting inclusive protection. Looking ahead, ZA ONLINE will continue to leverage its technological capabilities and business accumulations to develop and implement more inclusive and differentiated health insurance products, providing more comprehensive and accessible protection for more families, and contributing to the improvement of people's health security level in China's multi-level medical insurance system.