Design of Inclusive Health Insurance for Low-Income Students in Fengtai District, Beijing

DOI

10.2991/978-2-38476-577-5_132How to use a DOI?

Keywords

Low-income Families; Primary and Secondary School Students; Universal Health Supplement Insurance; Medical Security

Abstract

Inclusive health supplementary insurance is a key component of China’s multi-level medical security system, which can accurately address the problem of excessive medical expense burden on primary and secondary school students from low-income families. Taking primary and secondary school students from low-income families in Fengtai District as the research sample, this paper, in combination with relevant policy requirements, sorts out the current situation of medical security for this group. Based on the calculation data of target objects and research cases, it analyzes the prominent shortcomings of the current security system. Following the core idea of low payment, low deductible, high adaptability, and strong bottom-line protection, this paper designs an exclusive product scheme from five dimensions: protection scope, product liability, premium financing, insurance participation and claim settlement, and long-term mechanism, and synchronously formulates the implementation path and supporting measures, providing theoretical and practical reference for Fengtai District to resolve children’s medical risks and strengthen the social security network.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Zijia Yi
PY  - 2026
DA  - 2026/05/15
TI  - Design of Inclusive Health Insurance for Low-Income Students in Fengtai District, Beijing
BT  - Proceedings of the 2026 5th International Conference on Social Sciences and Humanities and Arts (SSHA 2026)
PB  - Atlantis Press
SP  - 1304
EP  - 1311
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-577-5_132
DO  - 10.2991/978-2-38476-577-5_132
ID  - Yi2026
ER  -