On December 25, reporters learned from China Life Insurance Zhuhai Branch that the benefits of the 2026 “Boundless Great Love” medical protection scheme have been further upgraded. The deductible for self-funded drugs for rare diseases has been reduced from the original 20,000 yuan to 10,000 yuan, and the reimbursement rate has been increased from 60% to 90%. Eligible insured individuals are entitled to claim the compensation benefits in accordance with the provisions, which will ease their financial burden of purchasing medications.
The premium for the 2026 “Boundless Great Love” scheme remains unchanged at 190 yuan per person per annum, yet the premium deduction has started one month earlier and was officially launched in December 2025. This adjustment allows policyholders ample time to pay the premium and ensures the uninterrupted enjoyment of medical protection benefits.
It is understood that the compensation standard for self-funded drugs for rare diseases under the 2026 scheme has been further improved. The detailed product rules stipulate that: for insured individuals diagnosed with diseases included in the rare disease catalogue by Grade II or above hospitals, 90% of the cumulative expense incurred on therapeutic self-funded drugs for rare diseases (ranging from over 10,000 yuan to 300,000 yuan inclusive) within the insurance year will be reimbursed. The specific list of rare diseases shall be subject to the latest official rare disease catalogue issued by the National Health Commission and other competent national authorities.
The upgraded protection will drastically alleviate the medication burden on patients. For example: an insured child diagnosed with X-linked hypophosphatemia (XLH) requires treatment with Burosumab Injection (Linping). With a body weight of 10 kg, the child needs one vial of the medicine every two weeks, amounting to approximately 26 vials a year. Each vial is priced at 25,888.92 yuan. Under the charity drug donation program (one vial donated for each purchase), the insured only needs to pay for 13 vials annually, with a total out-of-pocket medication cost of 25,888.92 × 13 = 336,600 yuan.
Thanks to the upgraded benefits in 2026, for the same medication expense as above, the personal out-of-pocket cost after reimbursement under the “Boundless Great Love” scheme will drop sharply from 168,600 yuan to 75,600 yuan, meaning a reduction of 93,000 yuan in the insured’s financial burden. Through the continuous optimization of protection benefits, the scheme has truly eased the economic pressure on families affected by rare diseases.
Do insured individuals need to complete any formalities to apply for the Compensation for Self-funded Drugs for Malignant Tumors and Rare Diseases? According to the official introduction, to apply for the compensation, the insured shall first have the diagnosis of the corresponding disease and the medical indication for the self-funded drugs confirmed and signed by a specialist physician from the expert panel of the scheme, followed by the verification and approval by the undertaking institution of the scheme.
Where can the approved drugs be purchased upon the completion of verification? Insured individuals with verified eligibility for the compensation shall purchase the prescribed self-funded drugs either at medical institutions designated as Grade III medical insurance hospitals, or at the scheme’s designated pharmacies and those pharmacies with charity drug assistance donation counters.
Which specific drugs are eligible for the Compensation for Self-funded Drugs for Malignant Tumors and Rare Diseases? A dynamic access mechanism is adopted for the self-funded drugs for malignant tumors and rare diseases under the “Boundless Great Love” scheme, allowing eligible drugs to apply for inclusion on a monthly basis. Innovative and targeted drugs can complete the reimbursement access procedures promptly after their launch, ensuring that patients have access to the latest therapeutic drugs at the earliest opportunity and optimal prices with the reimbursement coverage of the scheme. As of November 2025, the self-funded drug catalogue of the “Boundless Great Love” scheme includes a total of 63 drugs (54 anti-tumor drugs and 9 rare disease drugs), with a cumulative inclusion of 116 drugs since the launch of the scheme.
